Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$136,988Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$147,987The complete starting cash picture.
Estimated remaining funds due at closing
$147,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,988.46
Your down payment$136,988.46
Closing costs + prepaids$10,998.44
Total buyer cash needed$147,986.90
Remaining funds due$147,986.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,530.00
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)$450.00
Initial HOA (3 months)$1,425.00
Prepaid interest, first (28 days)$368.44
Fees + prepaids$10,998.44
Your down payment is the seller’s equity. You take over the $116,012 balance, so the rest of the $253,000 price is paid at closing. A second mortgage can cover part of it. $147,986.90 is due at closing. Uses and sources reconcile at $263,998.44 each. Not a Closing Disclosure.