Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$108,714Cash toward the purchase price.
Closing costs + prepaids$11,201Not just lender fees.
Before credits & paid funds$119,914The complete starting cash picture.
Estimated remaining funds due at closing
$119,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,713.77
Your down payment$108,713.77
Closing costs + prepaids$11,200.56
Total buyer cash needed$119,914.33
Remaining funds due$119,914.33
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)$1,644.75
Prepaid interest, first (30 days)$680.81
Fees + prepaids$11,200.56
Your down payment is the seller’s equity. You take over the $156,286 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $119,914.33 is due at closing. Uses and sources reconcile at $276,200.56 each. Not a Closing Disclosure.