Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$118,400Cash toward the purchase price.
Closing costs + prepaids$9,960Not just lender fees.
Before credits & paid funds$128,360The complete starting cash picture.
Estimated remaining funds due at closing
$128,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,400.26
Your down payment$118,400.26
Closing costs + prepaids$9,959.58
Total buyer cash needed$128,359.85
Remaining funds due$128,359.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$447.75
Initial HOA (3 months)$27.99
Prepaid interest, first (24 days)$559.84
Fees + prepaids$9,959.58
Your down payment is the seller’s equity. You take over the $151,500 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $128,359.85 is due at closing. Uses and sources reconcile at $279,859.58 each. Not a Closing Disclosure.