Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,881Cash toward the purchase price.
Closing costs + prepaids$10,365Not just lender fees.
Before credits & paid funds$141,246The complete starting cash picture.
Estimated remaining funds due at closing
$141,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,880.50
Your down payment$130,880.50
Closing costs + prepaids$10,365.29
Total buyer cash needed$141,245.79
Remaining funds due$141,245.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,798.50
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)$420.25
Initial HOA (3 months)$405.00
Prepaid interest, first (28 days)$516.54
Fees + prepaids$10,365.29
Your down payment is the seller’s equity. You take over the $148,969 balance, so the rest of the $279,850 price is paid at closing. A second mortgage can cover part of it. $141,245.79 is due at closing. Uses and sources reconcile at $290,215.29 each. Not a Closing Disclosure.