Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,487Cash toward the purchase price.
Closing costs + prepaids$9,668Not just lender fees.
Before credits & paid funds$154,155The complete starting cash picture.
Estimated remaining funds due at closing
$154,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,486.92
Your down payment$144,486.92
Closing costs + prepaids$9,668.23
Total buyer cash needed$154,155.15
Remaining funds due$154,155.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.25
Initial HOA (3 months)$435.00
Prepaid interest, first (27 days)$280.98
Fees + prepaids$9,668.23
Your down payment is the seller’s equity. You take over the $105,513 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $154,155.15 is due at closing. Uses and sources reconcile at $259,668.23 each. Not a Closing Disclosure.