Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,609Cash toward the purchase price.
Closing costs + prepaids$10,031Not just lender fees.
Before credits & paid funds$153,640The complete starting cash picture.
Estimated remaining funds due at closing
$153,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,608.52
Your down payment$143,608.52
Closing costs + prepaids$10,031.24
Total buyer cash needed$153,639.76
Remaining funds due$153,639.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$293.25
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$582.99
Fees + prepaids$10,031.24
Your down payment is the seller’s equity. You take over the $101,391 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $153,639.76 is due at closing. Uses and sources reconcile at $255,031.24 each. Not a Closing Disclosure.