Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$86,659Cash toward the purchase price.
Closing costs + prepaids$10,217Not just lender fees.
Before credits & paid funds$96,875The complete starting cash picture.
Estimated remaining funds due at closing
$96,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,658.55
Your down payment$86,658.55
Closing costs + prepaids$10,216.52
Total buyer cash needed$96,875.07
Remaining funds due$96,875.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$924.75
Initial HOA (3 months)$6.24
Prepaid interest, first (22 days)$461.53
Fees + prepaids$10,216.52
Your down payment is the seller’s equity. You take over the $173,241 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $96,875.07 is due at closing. Uses and sources reconcile at $270,116.52 each. Not a Closing Disclosure.