Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$120,157Cash toward the purchase price.
Closing costs + prepaids$10,678Not just lender fees.
Before credits & paid funds$130,835The complete starting cash picture.
Estimated remaining funds due at closing
$130,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,157.40
Your down payment$120,157.40
Closing costs + prepaids$10,677.99
Total buyer cash needed$130,835.39
Remaining funds due$130,835.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$707.75
Initial HOA (3 months)$600.00
Prepaid interest, first (26 days)$495.24
Fees + prepaids$10,677.99
Your down payment is the seller’s equity. You take over the $144,843 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $130,835.39 is due at closing. Uses and sources reconcile at $275,677.99 each. Not a Closing Disclosure.