Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$125,958Cash toward the purchase price.
Closing costs + prepaids$9,670Not just lender fees.
Before credits & paid funds$135,628The complete starting cash picture.
Estimated remaining funds due at closing
$135,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,958.13
Your down payment$125,958.13
Closing costs + prepaids$9,670.22
Total buyer cash needed$135,628.36
Remaining funds due$135,628.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$16.50
Prepaid interest, first (29 days)$738.72
Fees + prepaids$9,670.22
Your down payment is the seller’s equity. You take over the $143,042 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $135,628.36 is due at closing. Uses and sources reconcile at $278,670.22 each. Not a Closing Disclosure.