Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$104,973Cash toward the purchase price.
Closing costs + prepaids$10,229Not just lender fees.
Before credits & paid funds$115,202The complete starting cash picture.
Estimated remaining funds due at closing
$115,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,973.08
Your down payment$104,973.08
Closing costs + prepaids$10,229.42
Total buyer cash needed$115,202.50
Remaining funds due$115,202.50
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)$978.00
Initial HOA (3 months)$57.75
Prepaid interest, first (28 days)$368.67
Fees + prepaids$10,229.42
Your down payment is the seller’s equity. You take over the $155,027 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $115,202.50 is due at closing. Uses and sources reconcile at $270,229.42 each. Not a Closing Disclosure.