Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$125,164Cash toward the purchase price.
Closing costs + prepaids$9,748Not just lender fees.
Before credits & paid funds$134,913The complete starting cash picture.
Estimated remaining funds due at closing
$134,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,164.49
Your down payment$125,164.49
Closing costs + prepaids$9,748.34
Total buyer cash needed$134,912.82
Remaining funds due$134,912.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$346.75
Initial HOA (3 months)$24.00
Prepaid interest, first (9 days)$262.59
Fees + prepaids$9,748.34
Your down payment is the seller’s equity. You take over the $163,836 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $134,912.82 is due at closing. Uses and sources reconcile at $298,748.34 each. Not a Closing Disclosure.