Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,479Cash toward the purchase price.
Closing costs + prepaids$10,546Not just lender fees.
Before credits & paid funds$37,025The complete starting cash picture.
Estimated remaining funds due at closing
$37,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,479.21
Your down payment$26,479.21
Closing costs + prepaids$10,545.55
Total buyer cash needed$37,024.76
Remaining funds due$37,024.76
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)$587.75
Prepaid interest, first (26 days)$1,132.80
Fees + prepaids$10,545.55
Your down payment is the seller’s equity. You take over the $233,521 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $37,024.76 is due at closing. Uses and sources reconcile at $270,545.55 each. Not a Closing Disclosure.