Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,224Cash toward the purchase price.
Closing costs + prepaids$10,680Not just lender fees.
Before credits & paid funds$35,904The complete starting cash picture.
Estimated remaining funds due at closing
$35,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,223.67
Your down payment$25,223.67
Closing costs + prepaids$10,680.27
Total buyer cash needed$35,903.94
Remaining funds due$35,903.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,600.00
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)$650.00
Prepaid interest, first (27 days)$1,205.27
Fees + prepaids$10,680.27
Your down payment is the seller’s equity. You take over the $234,776 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $35,903.94 is due at closing. Uses and sources reconcile at $270,680.27 each. Not a Closing Disclosure.