Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$79,716Cash toward the purchase price.
Closing costs + prepaids$10,247Not just lender fees.
Before credits & paid funds$89,962The complete starting cash picture.
Estimated remaining funds due at closing
$89,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,715.65
Your down payment$79,715.65
Closing costs + prepaids$10,246.71
Total buyer cash needed$89,962.36
Remaining funds due$89,962.36
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)$503.00
Prepaid interest, first (25 days)$918.71
Fees + prepaids$10,246.71
Your down payment is the seller’s equity. You take over the $180,284 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $89,962.36 is due at closing. Uses and sources reconcile at $270,246.71 each. Not a Closing Disclosure.