Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$113,850Cash toward the purchase price.
Closing costs + prepaids$10,028Not just lender fees.
Before credits & paid funds$123,878The complete starting cash picture.
Estimated remaining funds due at closing
$123,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,850.04
Your down payment$113,850.04
Closing costs + prepaids$10,027.99
Total buyer cash needed$123,878.03
Remaining funds due$123,878.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,620.00
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)$314.50
Initial HOA (3 months)$741.00
Prepaid interest, first (9 days)$127.49
Fees + prepaids$10,027.99
Your down payment is the seller’s equity. You take over the $148,150 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $123,878.03 is due at closing. Uses and sources reconcile at $272,027.99 each. Not a Closing Disclosure.