Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$87,639Cash toward the purchase price.
Closing costs + prepaids$9,714Not just lender fees.
Before credits & paid funds$97,352The complete starting cash picture.
Estimated remaining funds due at closing
$97,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,638.86
Your down payment$87,638.86
Closing costs + prepaids$9,713.55
Total buyer cash needed$97,352.41
Remaining funds due$97,352.41
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)$325.00
Prepaid interest, first (17 days)$563.55
Fees + prepaids$9,713.55
Your down payment is the seller’s equity. You take over the $172,361 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $97,352.41 is due at closing. Uses and sources reconcile at $269,713.55 each. Not a Closing Disclosure.