Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$142,449Cash toward the purchase price.
Closing costs + prepaids$10,125Not just lender fees.
Before credits & paid funds$152,575The complete starting cash picture.
Estimated remaining funds due at closing
$152,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,449.35
Your down payment$142,449.35
Closing costs + prepaids$10,125.35
Total buyer cash needed$152,574.70
Remaining funds due$152,574.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$632.25
Initial HOA (3 months)$426.00
Prepaid interest, first (27 days)$342.10
Fees + prepaids$10,125.35
Your down payment is the seller’s equity. You take over the $107,551 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $152,574.70 is due at closing. Uses and sources reconcile at $260,125.35 each. Not a Closing Disclosure.