Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$129,029Cash toward the purchase price.
Closing costs + prepaids$10,389Not just lender fees.
Before credits & paid funds$139,417The complete starting cash picture.
Estimated remaining funds due at closing
$139,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,028.79
Your down payment$129,028.79
Closing costs + prepaids$10,388.69
Total buyer cash needed$139,417.48
Remaining funds due$139,417.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$662.75
Initial HOA (3 months)$789.00
Prepaid interest, first (5 days)$112.94
Fees + prepaids$10,388.69
Your down payment is the seller’s equity. You take over the $130,871 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $139,417.48 is due at closing. Uses and sources reconcile at $270,288.69 each. Not a Closing Disclosure.