Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$152,639Cash toward the purchase price.
Closing costs + prepaids$10,191Not just lender fees.
Before credits & paid funds$162,830The complete starting cash picture.
Estimated remaining funds due at closing
$162,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,639.50
Your down payment$152,639.50
Closing costs + prepaids$10,190.97
Total buyer cash needed$162,830.47
Remaining funds due$162,830.47
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)$326.00
Initial HOA (3 months)$609.00
Prepaid interest, first (22 days)$430.97
Fees + prepaids$10,190.97
Your down payment is the seller’s equity. You take over the $107,361 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $162,830.47 is due at closing. Uses and sources reconcile at $270,190.97 each. Not a Closing Disclosure.