Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,729Cash toward the purchase price.
Closing costs + prepaids$10,256Not just lender fees.
Before credits & paid funds$154,985The complete starting cash picture.
Estimated remaining funds due at closing
$154,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,728.97
Your down payment$144,728.97
Closing costs + prepaids$10,256.35
Total buyer cash needed$154,985.32
Remaining funds due$154,985.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$177.25
Initial HOA (3 months)$714.00
Prepaid interest, first (31 days)$350.10
Fees + prepaids$10,256.35
Your down payment is the seller’s equity. You take over the $134,271 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $154,985.32 is due at closing. Uses and sources reconcile at $289,256.35 each. Not a Closing Disclosure.