Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$41,774Cash toward the purchase price.
Closing costs + prepaids$10,745Not just lender fees.
Before credits & paid funds$52,520The complete starting cash picture.
Estimated remaining funds due at closing
$52,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,774.48
Your down payment$41,774.48
Closing costs + prepaids$10,745.15
Total buyer cash needed$52,519.63
Remaining funds due$52,519.63
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)$247.25
Initial HOA (3 months)$1,194.00
Prepaid interest, first (30 days)$478.90
Fees + prepaids$10,745.15
Your down payment is the seller’s equity. You take over the $218,226 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $52,519.63 is due at closing. Uses and sources reconcile at $270,745.15 each. Not a Closing Disclosure.