Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$129,453Cash toward the purchase price.
Closing costs + prepaids$10,361Not just lender fees.
Before credits & paid funds$139,815The complete starting cash picture.
Estimated remaining funds due at closing
$139,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,453.49
Your down payment$129,453.49
Closing costs + prepaids$10,361.31
Total buyer cash needed$139,814.80
Remaining funds due$139,814.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,870.00
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)$205.25
Initial HOA (3 months)$795.00
Prepaid interest, first (23 days)$266.06
Fees + prepaids$10,361.31
Your down payment is the seller’s equity. You take over the $157,547 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $139,814.80 is due at closing. Uses and sources reconcile at $297,361.31 each. Not a Closing Disclosure.