Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$131,114Cash toward the purchase price.
Closing costs + prepaids$10,666Not just lender fees.
Before credits & paid funds$141,780The complete starting cash picture.
Estimated remaining funds due at closing
$141,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,113.87
Your down payment$131,113.87
Closing costs + prepaids$10,666.05
Total buyer cash needed$141,779.92
Remaining funds due$141,779.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$1,149.00
Initial HOA (3 months)$162.51
Prepaid interest, first (28 days)$380.54
Fees + prepaids$10,666.05
Your down payment is the seller’s equity. You take over the $143,786 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $141,779.92 is due at closing. Uses and sources reconcile at $285,566.05 each. Not a Closing Disclosure.