Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$135,735Cash toward the purchase price.
Closing costs + prepaids$9,261Not just lender fees.
Before credits & paid funds$144,995The complete starting cash picture.
Estimated remaining funds due at closing
$144,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,734.67
Your down payment$135,734.67
Closing costs + prepaids$9,260.54
Total buyer cash needed$144,995.21
Remaining funds due$144,995.21
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)$68.50
Prepaid interest, first (24 days)$317.04
Fees + prepaids$9,260.54
Your down payment is the seller’s equity. You take over the $129,265 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $144,995.21 is due at closing. Uses and sources reconcile at $274,260.54 each. Not a Closing Disclosure.