Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$117,872Cash toward the purchase price.
Closing costs + prepaids$10,477Not just lender fees.
Before credits & paid funds$128,349The complete starting cash picture.
Estimated remaining funds due at closing
$128,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,872.12
Your down payment$117,872.12
Closing costs + prepaids$10,476.97
Total buyer cash needed$128,349.09
Remaining funds due$128,349.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$635.00
Initial HOA (3 months)$1,065.00
Prepaid interest, first (5 days)$61.97
Fees + prepaids$10,476.97
Your down payment is the seller’s equity. You take over the $131,128 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $128,349.09 is due at closing. Uses and sources reconcile at $259,476.97 each. Not a Closing Disclosure.