Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,854Cash toward the purchase price.
Closing costs + prepaids$9,740Not just lender fees.
Before credits & paid funds$126,594The complete starting cash picture.
Estimated remaining funds due at closing
$126,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,854.18
Your down payment$116,854.18
Closing costs + prepaids$9,740.12
Total buyer cash needed$126,594.30
Remaining funds due$126,594.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$151.75
Prepaid interest, first (26 days)$713.37
Fees + prepaids$9,740.12
Your down payment is the seller’s equity. You take over the $148,146 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $126,594.30 is due at closing. Uses and sources reconcile at $274,740.12 each. Not a Closing Disclosure.