Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,840Cash toward the purchase price.
Closing costs + prepaids$10,813Not just lender fees.
Before credits & paid funds$158,653The complete starting cash picture.
Estimated remaining funds due at closing
$158,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,839.91
Your down payment$147,839.91
Closing costs + prepaids$10,813.22
Total buyer cash needed$158,653.14
Remaining funds due$158,653.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$332.00
Initial HOA (3 months)$1,434.00
Prepaid interest, first (27 days)$273.22
Fees + prepaids$10,813.22
Your down payment is the seller’s equity. You take over the $107,060 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $158,653.14 is due at closing. Uses and sources reconcile at $265,713.22 each. Not a Closing Disclosure.