Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,911Cash toward the purchase price.
Closing costs + prepaids$10,020Not just lender fees.
Before credits & paid funds$130,931The complete starting cash picture.
Estimated remaining funds due at closing
$130,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,910.84
Your down payment$120,910.84
Closing costs + prepaids$10,020.45
Total buyer cash needed$130,931.29
Remaining funds due$130,931.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,620.00
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)$655.00
Initial HOA (3 months)$208.74
Prepaid interest, first (28 days)$311.71
Fees + prepaids$10,020.45
Your down payment is the seller’s equity. You take over the $141,089 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $130,931.29 is due at closing. Uses and sources reconcile at $272,020.45 each. Not a Closing Disclosure.