Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,379Cash toward the purchase price.
Closing costs + prepaids$9,580Not just lender fees.
Before credits & paid funds$133,959The complete starting cash picture.
Estimated remaining funds due at closing
$133,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,379.21
Your down payment$124,379.21
Closing costs + prepaids$9,579.56
Total buyer cash needed$133,958.77
Remaining funds due$133,958.77
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)$431.00
Prepaid interest, first (28 days)$323.56
Fees + prepaids$9,579.56
Your down payment is the seller’s equity. You take over the $135,621 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $133,958.77 is due at closing. Uses and sources reconcile at $269,579.56 each. Not a Closing Disclosure.