Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$118,081Cash toward the purchase price.
Closing costs + prepaids$10,041Not just lender fees.
Before credits & paid funds$128,122The complete starting cash picture.
Estimated remaining funds due at closing
$128,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,080.72
Your down payment$118,080.72
Closing costs + prepaids$10,041.49
Total buyer cash needed$128,122.21
Remaining funds due$128,122.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.99
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)$201.25
Initial HOA (3 months)$747.00
Prepaid interest, first (21 days)$318.25
Fees + prepaids$10,041.49
Your down payment is the seller’s equity. You take over the $136,918 balance, so the rest of the $254,999 price is paid at closing. A second mortgage can cover part of it. $128,122.21 is due at closing. Uses and sources reconcile at $265,040.49 each. Not a Closing Disclosure.