Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,448Cash toward the purchase price.
Closing costs + prepaids$10,013Not just lender fees.
Before credits & paid funds$142,461The complete starting cash picture.
Estimated remaining funds due at closing
$142,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,448.17
Your down payment$132,448.17
Closing costs + prepaids$10,012.98
Total buyer cash needed$142,461.15
Remaining funds due$142,461.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,740.00
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)$753.75
Prepaid interest, first (27 days)$294.23
Fees + prepaids$10,012.98
Your down payment is the seller’s equity. You take over the $141,552 balance, so the rest of the $274,000 price is paid at closing. A second mortgage can cover part of it. $142,461.15 is due at closing. Uses and sources reconcile at $284,012.98 each. Not a Closing Disclosure.