Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,263Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$44,198The complete starting cash picture.
Estimated remaining funds due at closing
$44,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,262.67
Your down payment$33,262.67
Closing costs + prepaids$10,935.24
Total buyer cash needed$44,197.92
Remaining funds due$44,197.92
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)$263.50
Initial HOA (3 months)$600.00
Prepaid interest, first (30 days)$1,246.74
Fees + prepaids$10,935.24
Your down payment is the seller’s equity. You take over the $226,737 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $44,197.92 is due at closing. Uses and sources reconcile at $270,935.24 each. Not a Closing Disclosure.