Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,530Cash toward the purchase price.
Closing costs + prepaids$13,089Not just lender fees.
Before credits & paid funds$39,619The complete starting cash picture.
Estimated remaining funds due at closing
$39,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,530.22
Your down payment$26,530.22
Closing costs + prepaids$13,089.01
Total buyer cash needed$39,619.23
Remaining funds due$39,619.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,580.00
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)$782.75
Initial HOA (3 months)$2,190.00
Prepaid interest, first (31 days)$1,311.26
Fees + prepaids$13,089.01
Your down payment is the seller’s equity. You take over the $231,470 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $39,619.23 is due at closing. Uses and sources reconcile at $271,089.01 each. Not a Closing Disclosure.