Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$124,899Cash toward the purchase price.
Closing costs + prepaids$10,334Not just lender fees.
Before credits & paid funds$135,234The complete starting cash picture.
Estimated remaining funds due at closing
$135,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,899.42
Your down payment$124,899.42
Closing costs + prepaids$10,334.19
Total buyer cash needed$135,233.60
Remaining funds due$135,233.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,770.00
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)$1,036.25
Initial HOA (3 months)$24.99
Prepaid interest, first (23 days)$277.95
Fees + prepaids$10,334.19
Your down payment is the seller’s equity. You take over the $152,101 balance, so the rest of the $277,000 price is paid at closing. A second mortgage can cover part of it. $135,233.60 is due at closing. Uses and sources reconcile at $287,334.19 each. Not a Closing Disclosure.