Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$64,570Cash toward the purchase price.
Closing costs + prepaids$10,009Not just lender fees.
Before credits & paid funds$74,579The complete starting cash picture.
Estimated remaining funds due at closing
$74,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,569.91
Your down payment$64,569.91
Closing costs + prepaids$10,009.26
Total buyer cash needed$74,579.17
Remaining funds due$74,579.17
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)$148.50
Initial HOA (3 months)$654.00
Prepaid interest, first (23 days)$381.76
Fees + prepaids$10,009.26
Your down payment is the seller’s equity. You take over the $195,430 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $74,579.17 is due at closing. Uses and sources reconcile at $270,009.26 each. Not a Closing Disclosure.