Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$125,275Cash toward the purchase price.
Closing costs + prepaids$10,017Not just lender fees.
Before credits & paid funds$135,293The complete starting cash picture.
Estimated remaining funds due at closing
$135,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,275.37
Your down payment$125,275.37
Closing costs + prepaids$10,017.24
Total buyer cash needed$135,292.61
Remaining funds due$135,292.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$799.75
Initial HOA (3 months)$75.00
Prepaid interest, first (22 days)$367.49
Fees + prepaids$10,017.24
Your down payment is the seller’s equity. You take over the $129,725 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $135,292.61 is due at closing. Uses and sources reconcile at $265,017.24 each. Not a Closing Disclosure.