Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$133,015Cash toward the purchase price.
Closing costs + prepaids$10,485Not just lender fees.
Before credits & paid funds$143,500The complete starting cash picture.
Estimated remaining funds due at closing
$143,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,014.63
Your down payment$133,014.63
Closing costs + prepaids$10,485.09
Total buyer cash needed$143,499.72
Remaining funds due$143,499.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$933.75
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$397.34
Fees + prepaids$10,485.09
Your down payment is the seller’s equity. You take over the $126,885 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $143,499.72 is due at closing. Uses and sources reconcile at $270,385.09 each. Not a Closing Disclosure.