Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$142,103Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$154,365The complete starting cash picture.
Estimated remaining funds due at closing
$154,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,103.21
Your down payment$142,103.21
Closing costs + prepaids$12,261.73
Total buyer cash needed$154,364.94
Remaining funds due$154,364.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$804.25
Initial HOA (3 months)$2,040.00
Prepaid interest, first (24 days)$392.58
Fees + prepaids$12,261.73
Your down payment is the seller’s equity. You take over the $137,887 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $154,364.94 is due at closing. Uses and sources reconcile at $292,251.73 each. Not a Closing Disclosure.