Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,004Cash toward the purchase price.
Closing costs + prepaids$10,171Not just lender fees.
Before credits & paid funds$57,175The complete starting cash picture.
Estimated remaining funds due at closing
$57,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,003.96
Your down payment$47,003.96
Closing costs + prepaids$10,170.59
Total buyer cash needed$57,174.55
Remaining funds due$57,174.55
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)$255.75
Prepaid interest, first (28 days)$1,089.84
Fees + prepaids$10,170.59
Your down payment is the seller’s equity. You take over the $212,996 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $57,174.55 is due at closing. Uses and sources reconcile at $270,170.59 each. Not a Closing Disclosure.