Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,980Cash toward the purchase price.
Closing costs + prepaids$10,893Not just lender fees.
Before credits & paid funds$67,873The complete starting cash picture.
Estimated remaining funds due at closing
$67,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,979.94
Your down payment$56,979.94
Closing costs + prepaids$10,893.32
Total buyer cash needed$67,873.26
Remaining funds due$67,873.26
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)$1,602.75
Initial HOA (3 months)$49.74
Prepaid interest, first (28 days)$415.83
Fees + prepaids$10,893.32
Your down payment is the seller’s equity. You take over the $203,020 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $67,873.26 is due at closing. Uses and sources reconcile at $270,893.32 each. Not a Closing Disclosure.