Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$133,531Cash toward the purchase price.
Closing costs + prepaids$9,750Not just lender fees.
Before credits & paid funds$143,281The complete starting cash picture.
Estimated remaining funds due at closing
$143,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,531.36
Your down payment$133,531.36
Closing costs + prepaids$9,750.02
Total buyer cash needed$143,281.37
Remaining funds due$143,281.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,589.00
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)$170.75
Initial HOA (3 months)$492.00
Prepaid interest, first (26 days)$273.27
Fees + prepaids$9,750.02
Your down payment is the seller’s equity. You take over the $125,369 balance, so the rest of the $258,900 price is paid at closing. A second mortgage can cover part of it. $143,281.37 is due at closing. Uses and sources reconcile at $268,650.02 each. Not a Closing Disclosure.