Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,312Cash toward the purchase price.
Closing costs + prepaids$11,793Not just lender fees.
Before credits & paid funds$31,105The complete starting cash picture.
Estimated remaining funds due at closing
$31,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,311.95
Your down payment$19,311.95
Closing costs + prepaids$11,793.27
Total buyer cash needed$31,105.22
Remaining funds due$31,105.22
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)$322.25
Initial HOA (3 months)$1,374.00
Prepaid interest, first (30 days)$1,272.02
Fees + prepaids$11,793.27
Your down payment is the seller’s equity. You take over the $240,688 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $31,105.22 is due at closing. Uses and sources reconcile at $271,793.27 each. Not a Closing Disclosure.