Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$128,717Cash toward the purchase price.
Closing costs + prepaids$9,837Not just lender fees.
Before credits & paid funds$138,554The complete starting cash picture.
Estimated remaining funds due at closing
$138,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,717.14
Your down payment$128,717.14
Closing costs + prepaids$9,837.06
Total buyer cash needed$138,554.20
Remaining funds due$138,554.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.90
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)$551.50
Prepaid interest, first (24 days)$310.66
Fees + prepaids$9,837.06
Your down payment is the seller’s equity. You take over the $146,273 balance, so the rest of the $274,990 price is paid at closing. A second mortgage can cover part of it. $138,554.20 is due at closing. Uses and sources reconcile at $284,827.06 each. Not a Closing Disclosure.