Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,454Cash toward the purchase price.
Closing costs + prepaids$10,677Not just lender fees.
Before credits & paid funds$54,131The complete starting cash picture.
Estimated remaining funds due at closing
$54,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,453.84
Your down payment$43,453.84
Closing costs + prepaids$10,676.95
Total buyer cash needed$54,130.79
Remaining funds due$54,130.79
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)$1,373.00
Prepaid interest, first (27 days)$478.95
Fees + prepaids$10,676.95
Your down payment is the seller’s equity. You take over the $216,546 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $54,130.79 is due at closing. Uses and sources reconcile at $270,676.95 each. Not a Closing Disclosure.