Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$2,799Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$12,922The complete starting cash picture.
Estimated remaining funds due at closing
$12,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,798.70
Your down payment$2,798.70
Closing costs + prepaids$10,122.86
Total buyer cash needed$12,921.56
Remaining funds due$12,921.56
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)$24.75
Prepaid interest, first (29 days)$1,273.11
Fees + prepaids$10,122.86
Your down payment is the seller’s equity. You take over the $257,201 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $12,921.56 is due at closing. Uses and sources reconcile at $270,122.86 each. Not a Closing Disclosure.