Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$73,272Cash toward the purchase price.
Closing costs + prepaids$10,297Not just lender fees.
Before credits & paid funds$83,568The complete starting cash picture.
Estimated remaining funds due at closing
$83,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,271.85
Your down payment$73,271.85
Closing costs + prepaids$10,296.56
Total buyer cash needed$83,568.41
Remaining funds due$83,568.41
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)$636.25
Prepaid interest, first (26 days)$835.31
Fees + prepaids$10,296.56
Your down payment is the seller’s equity. You take over the $186,728 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $83,568.41 is due at closing. Uses and sources reconcile at $270,296.56 each. Not a Closing Disclosure.