Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$70,443Cash toward the purchase price.
Closing costs + prepaids$11,136Not just lender fees.
Before credits & paid funds$81,579The complete starting cash picture.
Estimated remaining funds due at closing
$81,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,442.78
Your down payment$70,442.78
Closing costs + prepaids$11,135.97
Total buyer cash needed$81,578.75
Remaining funds due$81,578.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,620.00
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)$904.75
Initial HOA (3 months)$1,041.00
Prepaid interest, first (23 days)$345.22
Fees + prepaids$11,135.97
Your down payment is the seller’s equity. You take over the $191,557 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $81,578.75 is due at closing. Uses and sources reconcile at $273,135.97 each. Not a Closing Disclosure.