Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$116,854Cash toward the purchase price.
Closing costs + prepaids$9,645Not just lender fees.
Before credits & paid funds$126,499The complete starting cash picture.
Estimated remaining funds due at closing
$126,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,854.18
Your down payment$116,854.18
Closing costs + prepaids$9,645.25
Total buyer cash needed$126,499.43
Remaining funds due$126,499.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$331.25
Prepaid interest, first (16 days)$439.00
Fees + prepaids$9,645.25
Your down payment is the seller’s equity. You take over the $148,146 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $126,499.43 is due at closing. Uses and sources reconcile at $274,645.25 each. Not a Closing Disclosure.