Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$116,213Cash toward the purchase price.
Closing costs + prepaids$9,808Not just lender fees.
Before credits & paid funds$126,021The complete starting cash picture.
Estimated remaining funds due at closing
$126,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,213.46
Your down payment$116,213.46
Closing costs + prepaids$9,807.98
Total buyer cash needed$126,021.44
Remaining funds due$126,021.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$556.25
Initial HOA (3 months)$17.49
Prepaid interest, first (24 days)$310.24
Fees + prepaids$9,807.98
Your down payment is the seller’s equity. You take over the $153,687 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $126,021.44 is due at closing. Uses and sources reconcile at $279,707.98 each. Not a Closing Disclosure.