Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,419Cash toward the purchase price.
Closing costs + prepaids$11,208Not just lender fees.
Before credits & paid funds$156,627The complete starting cash picture.
Estimated remaining funds due at closing
$156,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,418.76
Your down payment$145,418.76
Closing costs + prepaids$11,208.20
Total buyer cash needed$156,626.96
Remaining funds due$156,626.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$702.00
Initial HOA (3 months)$1,245.00
Prepaid interest, first (25 days)$336.20
Fees + prepaids$11,208.20
Your down payment is the seller’s equity. You take over the $124,581 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $156,626.96 is due at closing. Uses and sources reconcile at $281,208.20 each. Not a Closing Disclosure.