Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$56,808Cash toward the purchase price.
Closing costs + prepaids$11,787Not just lender fees.
Before credits & paid funds$68,595The complete starting cash picture.
Estimated remaining funds due at closing
$68,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,808.37
Your down payment$56,808.37
Closing costs + prepaids$11,786.84
Total buyer cash needed$68,595.21
Remaining funds due$68,595.21
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)$1,417.50
Initial HOA (3 months)$669.99
Prepaid interest, first (23 days)$875.35
Fees + prepaids$11,786.84
Your down payment is the seller’s equity. You take over the $203,092 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $68,595.21 is due at closing. Uses and sources reconcile at $271,686.84 each. Not a Closing Disclosure.