Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$125,235Cash toward the purchase price.
Closing costs + prepaids$9,808Not just lender fees.
Before credits & paid funds$135,042The complete starting cash picture.
Estimated remaining funds due at closing
$135,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,234.56
Your down payment$125,234.56
Closing costs + prepaids$9,807.66
Total buyer cash needed$135,042.22
Remaining funds due$135,042.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$161.50
Initial HOA (3 months)$702.00
Prepaid interest, first (1 days)$19.16
Fees + prepaids$9,807.66
Your down payment is the seller’s equity. You take over the $144,765 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $135,042.22 is due at closing. Uses and sources reconcile at $279,807.66 each. Not a Closing Disclosure.