Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$26,873Cash toward the purchase price.
Closing costs + prepaids$10,671Not just lender fees.
Before credits & paid funds$37,544The complete starting cash picture.
Estimated remaining funds due at closing
$37,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,872.54
Your down payment$26,872.54
Closing costs + prepaids$10,671.19
Total buyer cash needed$37,543.74
Remaining funds due$37,543.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$662.75
Initial HOA (3 months)$1,095.00
Prepaid interest, first (3 days)$89.44
Fees + prepaids$10,671.19
Your down payment is the seller’s equity. You take over the $233,027 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $37,543.74 is due at closing. Uses and sources reconcile at $270,571.19 each. Not a Closing Disclosure.