Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,318Cash toward the purchase price.
Closing costs + prepaids$10,104Not just lender fees.
Before credits & paid funds$43,423The complete starting cash picture.
Estimated remaining funds due at closing
$43,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,318.16
Your down payment$33,318.16
Closing costs + prepaids$10,104.37
Total buyer cash needed$43,422.53
Remaining funds due$43,422.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$157.50
Prepaid interest, first (27 days)$1,131.87
Fees + prepaids$10,104.37
Your down payment is the seller’s equity. You take over the $225,682 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $43,422.53 is due at closing. Uses and sources reconcile at $269,104.37 each. Not a Closing Disclosure.