Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,617Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$67,605The complete starting cash picture.
Estimated remaining funds due at closing
$67,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,617.34
Your down payment$56,617.34
Closing costs + prepaids$10,987.68
Total buyer cash needed$67,605.02
Remaining funds due$67,605.02
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)$1,417.50
Initial HOA (3 months)$669.99
Prepaid interest, first (2 days)$76.19
Fees + prepaids$10,987.68
Your down payment is the seller’s equity. You take over the $203,283 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $67,605.02 is due at closing. Uses and sources reconcile at $270,887.68 each. Not a Closing Disclosure.