Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$104,942Cash toward the purchase price.
Closing costs + prepaids$10,303Not just lender fees.
Before credits & paid funds$115,245The complete starting cash picture.
Estimated remaining funds due at closing
$115,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,941.56
Your down payment$104,941.56
Closing costs + prepaids$10,303.46
Total buyer cash needed$115,245.02
Remaining funds due$115,245.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$474.50
Initial HOA (3 months)$570.00
Prepaid interest, first (26 days)$484.96
Fees + prepaids$10,303.46
Your down payment is the seller’s equity. You take over the $149,958 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $115,245.02 is due at closing. Uses and sources reconcile at $265,203.46 each. Not a Closing Disclosure.