Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$113,663Cash toward the purchase price.
Closing costs + prepaids$10,211Not just lender fees.
Before credits & paid funds$123,875The complete starting cash picture.
Estimated remaining funds due at closing
$123,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,663.49
Your down payment$113,663.49
Closing costs + prepaids$10,211.23
Total buyer cash needed$123,874.72
Remaining funds due$123,874.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$427.00
Initial HOA (3 months)$450.00
Prepaid interest, first (29 days)$559.23
Fees + prepaids$10,211.23
Your down payment is the seller’s equity. You take over the $141,337 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $123,874.72 is due at closing. Uses and sources reconcile at $265,211.23 each. Not a Closing Disclosure.