Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$114,193Cash toward the purchase price.
Closing costs + prepaids$11,087Not just lender fees.
Before credits & paid funds$125,280The complete starting cash picture.
Estimated remaining funds due at closing
$125,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,193.26
Your down payment$114,193.26
Closing costs + prepaids$11,086.78
Total buyer cash needed$125,280.05
Remaining funds due$125,280.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$1,799.50
Initial HOA (3 months)$28.74
Prepaid interest, first (27 days)$343.54
Fees + prepaids$11,086.78
Your down payment is the seller’s equity. You take over the $154,807 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $125,280.05 is due at closing. Uses and sources reconcile at $280,086.78 each. Not a Closing Disclosure.