Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,873Cash toward the purchase price.
Closing costs + prepaids$11,542Not just lender fees.
Before credits & paid funds$38,415The complete starting cash picture.
Estimated remaining funds due at closing
$38,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,872.54
Your down payment$26,872.54
Closing costs + prepaids$11,542.00
Total buyer cash needed$38,414.54
Remaining funds due$38,414.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$818.00
Initial HOA (3 months)$1,095.00
Prepaid interest, first (27 days)$805.00
Fees + prepaids$11,542.00
Your down payment is the seller’s equity. You take over the $233,027 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $38,414.54 is due at closing. Uses and sources reconcile at $271,442.00 each. Not a Closing Disclosure.