Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$114,064Cash toward the purchase price.
Closing costs + prepaids$9,790Not just lender fees.
Before credits & paid funds$123,854The complete starting cash picture.
Estimated remaining funds due at closing
$123,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,064.43
Your down payment$114,064.43
Closing costs + prepaids$9,789.74
Total buyer cash needed$123,854.17
Remaining funds due$123,854.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$337.00
Prepaid interest, first (18 days)$532.74
Fees + prepaids$9,789.74
Your down payment is the seller’s equity. You take over the $155,436 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $123,854.17 is due at closing. Uses and sources reconcile at $279,289.74 each. Not a Closing Disclosure.