Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,808Cash toward the purchase price.
Closing costs + prepaids$10,418Not just lender fees.
Before credits & paid funds$46,226The complete starting cash picture.
Estimated remaining funds due at closing
$46,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,807.85
Your down payment$35,807.85
Closing costs + prepaids$10,418.46
Total buyer cash needed$46,226.31
Remaining funds due$46,226.31
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)$686.50
Prepaid interest, first (23 days)$906.96
Fees + prepaids$10,418.46
Your down payment is the seller’s equity. You take over the $224,192 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $46,226.31 is due at closing. Uses and sources reconcile at $270,418.46 each. Not a Closing Disclosure.