Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$144,263Cash toward the purchase price.
Closing costs + prepaids$10,068Not just lender fees.
Before credits & paid funds$154,331The complete starting cash picture.
Estimated remaining funds due at closing
$154,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,263.13
Your down payment$144,263.13
Closing costs + prepaids$10,067.78
Total buyer cash needed$154,330.91
Remaining funds due$154,330.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$997.75
Prepaid interest, first (22 days)$195.03
Fees + prepaids$10,067.78
Your down payment is the seller’s equity. You take over the $120,737 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $154,330.91 is due at closing. Uses and sources reconcile at $275,067.78 each. Not a Closing Disclosure.