Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$112,972Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$123,786The complete starting cash picture.
Estimated remaining funds due at closing
$123,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,971.68
Your down payment$112,971.68
Closing costs + prepaids$10,814.80
Total buyer cash needed$123,786.47
Remaining funds due$123,786.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$1,139.25
Initial HOA (3 months)$159.00
Prepaid interest, first (25 days)$591.55
Fees + prepaids$10,814.80
Your down payment is the seller’s equity. You take over the $157,028 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $123,786.47 is due at closing. Uses and sources reconcile at $280,814.80 each. Not a Closing Disclosure.