Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$124,578Cash toward the purchase price.
Closing costs + prepaids$9,428Not just lender fees.
Before credits & paid funds$134,006The complete starting cash picture.
Estimated remaining funds due at closing
$134,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,578.27
Your down payment$124,578.27
Closing costs + prepaids$9,427.77
Total buyer cash needed$134,006.03
Remaining funds due$134,006.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$330.00
Prepaid interest, first (9 days)$122.77
Fees + prepaids$9,427.77
Your down payment is the seller’s equity. You take over the $150,422 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $134,006.03 is due at closing. Uses and sources reconcile at $284,427.77 each. Not a Closing Disclosure.