Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$117,273Cash toward the purchase price.
Closing costs + prepaids$9,247Not just lender fees.
Before credits & paid funds$126,520The complete starting cash picture.
Estimated remaining funds due at closing
$126,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,272.53
Your down payment$117,272.53
Closing costs + prepaids$9,247.22
Total buyer cash needed$126,519.74
Remaining funds due$126,519.74
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)$246.25
Prepaid interest, first (18 days)$175.97
Fees + prepaids$9,247.22
Your down payment is the seller’s equity. You take over the $142,727 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $126,519.74 is due at closing. Uses and sources reconcile at $269,247.22 each. Not a Closing Disclosure.