Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,576Cash toward the purchase price.
Closing costs + prepaids$10,552Not just lender fees.
Before credits & paid funds$70,129The complete starting cash picture.
Estimated remaining funds due at closing
$70,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,576.26
Your down payment$59,576.26
Closing costs + prepaids$10,552.39
Total buyer cash needed$70,128.65
Remaining funds due$70,128.65
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)$827.25
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$451.14
Fees + prepaids$10,552.39
Your down payment is the seller’s equity. You take over the $200,324 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $70,128.65 is due at closing. Uses and sources reconcile at $270,452.39 each. Not a Closing Disclosure.