Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,073Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$156,647The complete starting cash picture.
Estimated remaining funds due at closing
$156,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,072.72
Your down payment$145,072.72
Closing costs + prepaids$11,574.04
Total buyer cash needed$156,646.76
Remaining funds due$156,646.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$1,449.00
Initial HOA (3 months)$972.00
Prepaid interest, first (28 days)$358.04
Fees + prepaids$11,574.04
Your down payment is the seller’s equity. You take over the $111,927 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $156,646.76 is due at closing. Uses and sources reconcile at $268,574.04 each. Not a Closing Disclosure.