Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$122,509Cash toward the purchase price.
Closing costs + prepaids$9,924Not just lender fees.
Before credits & paid funds$132,433The complete starting cash picture.
Estimated remaining funds due at closing
$132,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,509.32
Your down payment$122,509.32
Closing costs + prepaids$9,923.63
Total buyer cash needed$132,432.96
Remaining funds due$132,432.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,580.00
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)$322.50
Initial HOA (3 months)$540.00
Prepaid interest, first (15 days)$256.13
Fees + prepaids$9,923.63
Your down payment is the seller’s equity. You take over the $135,491 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $132,432.96 is due at closing. Uses and sources reconcile at $267,923.63 each. Not a Closing Disclosure.