Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,228Cash toward the purchase price.
Closing costs + prepaids$9,800Not just lender fees.
Before credits & paid funds$96,028The complete starting cash picture.
Estimated remaining funds due at closing
$96,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,228.40
Your down payment$86,228.40
Closing costs + prepaids$9,799.71
Total buyer cash needed$96,028.12
Remaining funds due$96,028.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,605.00
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)$651.25
Prepaid interest, first (23 days)$318.46
Fees + prepaids$9,799.71
Your down payment is the seller’s equity. You take over the $174,272 balance, so the rest of the $260,500 price is paid at closing. A second mortgage can cover part of it. $96,028.12 is due at closing. Uses and sources reconcile at $270,299.71 each. Not a Closing Disclosure.