Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$131,270Cash toward the purchase price.
Closing costs + prepaids$10,537Not just lender fees.
Before credits & paid funds$141,807The complete starting cash picture.
Estimated remaining funds due at closing
$141,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,270.35
Your down payment$131,270.35
Closing costs + prepaids$10,536.84
Total buyer cash needed$141,807.19
Remaining funds due$141,807.19
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)$706.00
Initial HOA (3 months)$564.00
Prepaid interest, first (24 days)$441.84
Fees + prepaids$10,536.84
Your down payment is the seller’s equity. You take over the $128,730 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $141,807.19 is due at closing. Uses and sources reconcile at $270,536.84 each. Not a Closing Disclosure.