Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$33,508Cash toward the purchase price.
Closing costs + prepaids$10,172Not just lender fees.
Before credits & paid funds$43,680The complete starting cash picture.
Estimated remaining funds due at closing
$43,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,507.97
Your down payment$33,507.97
Closing costs + prepaids$10,171.58
Total buyer cash needed$43,679.56
Remaining funds due$43,679.56
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)$240.75
Initial HOA (3 months)$105.00
Prepaid interest, first (24 days)$1,001.83
Fees + prepaids$10,171.58
Your down payment is the seller’s equity. You take over the $226,392 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $43,679.56 is due at closing. Uses and sources reconcile at $270,071.58 each. Not a Closing Disclosure.