Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$84,564Cash toward the purchase price.
Closing costs + prepaids$9,489Not just lender fees.
Before credits & paid funds$94,053The complete starting cash picture.
Estimated remaining funds due at closing
$94,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,564.16
Your down payment$84,564.16
Closing costs + prepaids$9,488.66
Total buyer cash needed$94,052.82
Remaining funds due$94,052.82
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)$156.50
Initial HOA (3 months)$156.00
Prepaid interest, first (26 days)$351.16
Fees + prepaids$9,488.66
Your down payment is the seller’s equity. You take over the $175,436 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $94,052.82 is due at closing. Uses and sources reconcile at $269,488.66 each. Not a Closing Disclosure.