Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$178,564Cash toward the purchase price.
Closing costs + prepaids$9,429Not just lender fees.
Before credits & paid funds$187,993The complete starting cash picture.
Estimated remaining funds due at closing
$187,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,564.35
Your down payment$178,564.35
Closing costs + prepaids$9,428.87
Total buyer cash needed$187,993.22
Remaining funds due$187,993.22
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)$358.00
Prepaid interest, first (29 days)$245.87
Fees + prepaids$9,428.87
Your down payment is the seller’s equity. You take over the $81,436 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $187,993.22 is due at closing. Uses and sources reconcile at $269,428.87 each. Not a Closing Disclosure.