Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$1,360Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$12,433The complete starting cash picture.
Estimated remaining funds due at closing
$12,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,359.94
Your down payment$1,359.94
Closing costs + prepaids$11,073.09
Total buyer cash needed$12,433.04
Remaining funds due$12,433.04
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)$165.00
Initial HOA (3 months)$558.00
Prepaid interest, first (31 days)$1,526.09
Fees + prepaids$11,073.09
Your down payment is the seller’s equity. You take over the $258,540 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $12,433.04 is due at closing. Uses and sources reconcile at $270,973.09 each. Not a Closing Disclosure.