Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$41,136Cash toward the purchase price.
Closing costs + prepaids$11,286Not just lender fees.
Before credits & paid funds$52,422The complete starting cash picture.
Estimated remaining funds due at closing
$52,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,136.14
Your down payment$41,136.14
Closing costs + prepaids$11,285.53
Total buyer cash needed$52,421.67
Remaining funds due$52,421.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$923.50
Initial HOA (3 months)$957.00
Prepaid interest, first (25 days)$481.03
Fees + prepaids$11,285.53
Your down payment is the seller’s equity. You take over the $228,764 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $52,421.67 is due at closing. Uses and sources reconcile at $281,185.53 each. Not a Closing Disclosure.