Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,049Cash toward the purchase price.
Closing costs + prepaids$10,112Not just lender fees.
Before credits & paid funds$110,160The complete starting cash picture.
Estimated remaining funds due at closing
$110,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,048.75
Your down payment$100,048.75
Closing costs + prepaids$10,111.52
Total buyer cash needed$110,160.27
Remaining funds due$110,160.27
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)$870.50
Initial HOA (3 months)$98.01
Prepaid interest, first (25 days)$418.01
Fees + prepaids$10,111.52
Your down payment is the seller’s equity. You take over the $149,951 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $110,160.27 is due at closing. Uses and sources reconcile at $260,111.52 each. Not a Closing Disclosure.