Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,288Cash toward the purchase price.
Closing costs + prepaids$9,947Not just lender fees.
Before credits & paid funds$95,235The complete starting cash picture.
Estimated remaining funds due at closing
$95,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,287.88
Your down payment$85,287.88
Closing costs + prepaids$9,947.41
Total buyer cash needed$95,235.29
Remaining funds due$95,235.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,609.00
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)$652.25
Prepaid interest, first (27 days)$461.16
Fees + prepaids$9,947.41
Your down payment is the seller’s equity. You take over the $175,612 balance, so the rest of the $260,900 price is paid at closing. A second mortgage can cover part of it. $95,235.29 is due at closing. Uses and sources reconcile at $270,847.41 each. Not a Closing Disclosure.