Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,537Cash toward the purchase price.
Closing costs + prepaids$10,457Not just lender fees.
Before credits & paid funds$121,994The complete starting cash picture.
Estimated remaining funds due at closing
$121,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,537.00
Your down payment$111,537.00
Closing costs + prepaids$10,457.46
Total buyer cash needed$121,994.46
Remaining funds due$121,994.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.50
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)$1,227.25
Prepaid interest, first (31 days)$355.71
Fees + prepaids$10,457.46
Your down payment is the seller’s equity. You take over the $153,413 balance, so the rest of the $264,950 price is paid at closing. A second mortgage can cover part of it. $121,994.46 is due at closing. Uses and sources reconcile at $275,407.46 each. Not a Closing Disclosure.