Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$158,447Cash toward the purchase price.
Closing costs + prepaids$9,117Not just lender fees.
Before credits & paid funds$167,565The complete starting cash picture.
Estimated remaining funds due at closing
$167,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,447.21
Your down payment$158,447.21
Closing costs + prepaids$9,117.38
Total buyer cash needed$167,564.59
Remaining funds due$167,564.59
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)$279.00
Prepaid interest, first (1 days)$13.38
Fees + prepaids$9,117.38
Your down payment is the seller’s equity. You take over the $101,553 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $167,564.59 is due at closing. Uses and sources reconcile at $269,117.38 each. Not a Closing Disclosure.