Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$129,662Cash toward the purchase price.
Closing costs + prepaids$9,890Not just lender fees.
Before credits & paid funds$139,552The complete starting cash picture.
Estimated remaining funds due at closing
$139,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,662.28
Your down payment$129,662.28
Closing costs + prepaids$9,889.91
Total buyer cash needed$139,552.19
Remaining funds due$139,552.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$216.75
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$423.17
Fees + prepaids$9,889.91
Your down payment is the seller’s equity. You take over the $150,337 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $139,552.19 is due at closing. Uses and sources reconcile at $289,888.91 each. Not a Closing Disclosure.