Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$166,517Cash toward the purchase price.
Closing costs + prepaids$10,758Not just lender fees.
Before credits & paid funds$177,275The complete starting cash picture.
Estimated remaining funds due at closing
$177,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,517.42
Your down payment$166,517.42
Closing costs + prepaids$10,758.00
Total buyer cash needed$177,275.42
Remaining funds due$177,275.42
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)$944.50
Initial HOA (3 months)$750.00
Prepaid interest, first (24 days)$238.50
Fees + prepaids$10,758.00
Your down payment is the seller’s equity. You take over the $93,483 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $177,275.42 is due at closing. Uses and sources reconcile at $270,758.00 each. Not a Closing Disclosure.