Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$112,485Cash toward the purchase price.
Closing costs + prepaids$9,242Not just lender fees.
Before credits & paid funds$121,726The complete starting cash picture.
Estimated remaining funds due at closing
$121,726No 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$9,241.53
Total buyer cash needed$121,726.32
Remaining funds due$121,726.32
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 (21 days)$299.28
Fees + prepaids$9,241.53
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. $121,726.32 is due at closing. Uses and sources reconcile at $264,241.53 each. Not a Closing Disclosure.