Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$108,124Cash toward the purchase price.
Closing costs + prepaids$10,584Not just lender fees.
Before credits & paid funds$118,709The complete starting cash picture.
Estimated remaining funds due at closing
$118,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,124.43
Your down payment$108,124.43
Closing costs + prepaids$10,584.23
Total buyer cash needed$118,708.67
Remaining funds due$118,708.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$662.50
Initial HOA (3 months)$717.00
Prepaid interest, first (22 days)$330.73
Fees + prepaids$10,584.23
Your down payment is the seller’s equity. You take over the $156,776 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $118,708.67 is due at closing. Uses and sources reconcile at $275,484.23 each. Not a Closing Disclosure.