Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,890Cash toward the purchase price.
Closing costs + prepaids$10,432Not just lender fees.
Before credits & paid funds$35,321The complete starting cash picture.
Estimated remaining funds due at closing
$35,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,889.57
Your down payment$24,889.57
Closing costs + prepaids$10,431.58
Total buyer cash needed$35,321.15
Remaining funds due$35,321.15
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)$645.00
Prepaid interest, first (23 days)$962.58
Fees + prepaids$10,431.58
Your down payment is the seller’s equity. You take over the $235,010 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $35,321.15 is due at closing. Uses and sources reconcile at $270,331.58 each. Not a Closing Disclosure.