Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,664Cash toward the purchase price.
Closing costs + prepaids$10,804Not just lender fees.
Before credits & paid funds$112,468The complete starting cash picture.
Estimated remaining funds due at closing
$112,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,663.93
Your down payment$101,663.93
Closing costs + prepaids$10,804.02
Total buyer cash needed$112,467.95
Remaining funds due$112,467.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,625.00
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)$1,650.50
Prepaid interest, first (24 days)$303.52
Fees + prepaids$10,804.02
Your down payment is the seller’s equity. You take over the $160,836 balance, so the rest of the $262,500 price is paid at closing. A second mortgage can cover part of it. $112,467.95 is due at closing. Uses and sources reconcile at $273,304.02 each. Not a Closing Disclosure.