Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$114,064Cash toward the purchase price.
Closing costs + prepaids$10,044Not just lender fees.
Before credits & paid funds$124,108The complete starting cash picture.
Estimated remaining funds due at closing
$124,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,064.43
Your down payment$114,064.43
Closing costs + prepaids$10,043.71
Total buyer cash needed$124,108.13
Remaining funds due$124,108.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$295.00
Prepaid interest, first (28 days)$828.71
Fees + prepaids$10,043.71
Your down payment is the seller’s equity. You take over the $155,436 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $124,108.13 is due at closing. Uses and sources reconcile at $279,543.71 each. Not a Closing Disclosure.