Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$117,273Cash toward the purchase price.
Closing costs + prepaids$9,374Not just lender fees.
Before credits & paid funds$126,647The complete starting cash picture.
Estimated remaining funds due at closing
$126,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,272.53
Your down payment$117,272.53
Closing costs + prepaids$9,374.30
Total buyer cash needed$126,646.83
Remaining funds due$126,646.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,600.00
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)$246.25
Prepaid interest, first (31 days)$303.05
Fees + prepaids$9,374.30
Your down payment is the seller’s equity. You take over the $142,727 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $126,646.83 is due at closing. Uses and sources reconcile at $269,374.30 each. Not a Closing Disclosure.