Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$140,975Cash toward the purchase price.
Closing costs + prepaids$10,853Not just lender fees.
Before credits & paid funds$151,827The complete starting cash picture.
Estimated remaining funds due at closing
$151,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,974.86
Your down payment$140,974.86
Closing costs + prepaids$10,852.58
Total buyer cash needed$151,827.44
Remaining funds due$151,827.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,730.00
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)$1,526.75
Prepaid interest, first (22 days)$370.83
Fees + prepaids$10,852.58
Your down payment is the seller’s equity. You take over the $132,025 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $151,827.44 is due at closing. Uses and sources reconcile at $283,852.58 each. Not a Closing Disclosure.