Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,339Cash toward the purchase price.
Closing costs + prepaids$11,251Not just lender fees.
Before credits & paid funds$22,590The complete starting cash picture.
Estimated remaining funds due at closing
$22,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,339.05
Your down payment$11,339.05
Closing costs + prepaids$11,251.09
Total buyer cash needed$22,590.14
Remaining funds due$22,590.14
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)$612.00
Initial HOA (3 months)$689.01
Prepaid interest, first (24 days)$1,126.08
Fees + prepaids$11,251.09
Your down payment is the seller’s equity. You take over the $248,561 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $22,590.14 is due at closing. Uses and sources reconcile at $271,151.09 each. Not a Closing Disclosure.