Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$115,043Cash toward the purchase price.
Closing costs + prepaids$10,062Not just lender fees.
Before credits & paid funds$125,105The complete starting cash picture.
Estimated remaining funds due at closing
$125,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,043.45
Your down payment$115,043.45
Closing costs + prepaids$10,061.55
Total buyer cash needed$125,105.01
Remaining funds due$125,105.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$215.25
Initial HOA (3 months)$555.00
Prepaid interest, first (21 days)$317.30
Fees + prepaids$10,061.55
Your down payment is the seller’s equity. You take over the $159,857 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $125,105.01 is due at closing. Uses and sources reconcile at $284,961.55 each. Not a Closing Disclosure.