Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$112,485Cash toward the purchase price.
Closing costs + prepaids$9,370Not just lender fees.
Before credits & paid funds$121,855The complete starting cash picture.
Estimated remaining funds due at closing
$121,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,484.79
Your down payment$112,484.79
Closing costs + prepaids$9,369.80
Total buyer cash needed$121,854.58
Remaining funds due$121,854.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$167.25
Prepaid interest, first (30 days)$427.55
Fees + prepaids$9,369.80
Your down payment is the seller’s equity. You take over the $142,515 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $121,854.58 is due at closing. Uses and sources reconcile at $264,369.80 each. Not a Closing Disclosure.