Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,055Cash toward the purchase price.
Closing costs + prepaids$9,982Not just lender fees.
Before credits & paid funds$121,037The complete starting cash picture.
Estimated remaining funds due at closing
$121,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,055.32
Your down payment$111,055.32
Closing costs + prepaids$9,981.99
Total buyer cash needed$121,037.31
Remaining funds due$121,037.31
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)$624.25
Initial HOA (3 months)$141.00
Prepaid interest, first (24 days)$391.74
Fees + prepaids$9,981.99
Your down payment is the seller’s equity. You take over the $148,945 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $121,037.31 is due at closing. Uses and sources reconcile at $269,981.99 each. Not a Closing Disclosure.