Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,424Cash toward the purchase price.
Closing costs + prepaids$10,132Not just lender fees.
Before credits & paid funds$140,556The complete starting cash picture.
Estimated remaining funds due at closing
$140,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,423.75
Your down payment$130,423.75
Closing costs + prepaids$10,132.38
Total buyer cash needed$140,556.13
Remaining funds due$140,556.13
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)$144.75
Initial HOA (3 months)$900.00
Prepaid interest, first (27 days)$262.63
Fees + prepaids$10,132.38
Your down payment is the seller’s equity. You take over the $129,576 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $140,556.13 is due at closing. Uses and sources reconcile at $270,132.38 each. Not a Closing Disclosure.