Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$131,950Cash toward the purchase price.
Closing costs + prepaids$10,445Not just lender fees.
Before credits & paid funds$142,394The complete starting cash picture.
Estimated remaining funds due at closing
$142,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,949.76
Your down payment$131,949.76
Closing costs + prepaids$10,444.53
Total buyer cash needed$142,394.29
Remaining funds due$142,394.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,875.00
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)$345.00
Initial HOA (3 months)$858.00
Prepaid interest, first (9 days)$141.53
Fees + prepaids$10,444.53
Your down payment is the seller’s equity. You take over the $155,550 balance, so the rest of the $287,500 price is paid at closing. A second mortgage can cover part of it. $142,394.29 is due at closing. Uses and sources reconcile at $297,944.53 each. Not a Closing Disclosure.