Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,056Cash toward the purchase price.
Closing costs + prepaids$9,864Not just lender fees.
Before credits & paid funds$105,920The complete starting cash picture.
Estimated remaining funds due at closing
$105,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,056.45
Your down payment$96,056.45
Closing costs + prepaids$9,863.67
Total buyer cash needed$105,920.12
Remaining funds due$105,920.12
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)$495.00
Initial HOA (3 months)$171.99
Prepaid interest, first (25 days)$371.68
Fees + prepaids$9,863.67
Your down payment is the seller’s equity. You take over the $163,944 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $105,920.12 is due at closing. Uses and sources reconcile at $269,863.67 each. Not a Closing Disclosure.