Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,322Cash toward the purchase price.
Closing costs + prepaids$10,366Not just lender fees.
Before credits & paid funds$66,689The complete starting cash picture.
Estimated remaining funds due at closing
$66,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,322.41
Your down payment$56,322.41
Closing costs + prepaids$10,366.34
Total buyer cash needed$66,688.75
Remaining funds due$66,688.75
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)$635.00
Prepaid interest, first (28 days)$907.34
Fees + prepaids$10,366.34
Your down payment is the seller’s equity. You take over the $203,578 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $66,688.75 is due at closing. Uses and sources reconcile at $270,266.34 each. Not a Closing Disclosure.