Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$41,824Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$52,530The complete starting cash picture.
Estimated remaining funds due at closing
$52,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,824.05
Your down payment$41,824.05
Closing costs + prepaids$10,705.98
Total buyer cash needed$52,530.03
Remaining funds due$52,530.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$210.50
Initial HOA (3 months)$648.00
Prepaid interest, first (22 days)$932.48
Fees + prepaids$10,705.98
Your down payment is the seller’s equity. You take over the $227,176 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $52,530.03 is due at closing. Uses and sources reconcile at $279,705.98 each. Not a Closing Disclosure.