Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,296Cash toward the purchase price.
Closing costs + prepaids$10,783Not just lender fees.
Before credits & paid funds$47,079The complete starting cash picture.
Estimated remaining funds due at closing
$47,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,296.30
Your down payment$36,296.30
Closing costs + prepaids$10,782.78
Total buyer cash needed$47,079.08
Remaining funds due$47,079.08
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)$791.75
Prepaid interest, first (30 days)$1,167.03
Fees + prepaids$10,782.78
Your down payment is the seller’s equity. You take over the $223,604 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $47,079.08 is due at closing. Uses and sources reconcile at $270,682.78 each. Not a Closing Disclosure.