Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,448Cash toward the purchase price.
Closing costs + prepaids$9,843Not just lender fees.
Before credits & paid funds$41,291The complete starting cash picture.
Estimated remaining funds due at closing
$41,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,447.81
Your down payment$31,447.81
Closing costs + prepaids$9,842.84
Total buyer cash needed$41,290.65
Remaining funds due$41,290.65
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)$39.75
Initial HOA (3 months)$65.01
Prepaid interest, first (23 days)$913.08
Fees + prepaids$9,842.84
Your down payment is the seller’s equity. You take over the $228,552 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $41,290.65 is due at closing. Uses and sources reconcile at $269,842.84 each. Not a Closing Disclosure.