Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$59,454Cash toward the purchase price.
Closing costs + prepaids$10,228Not just lender fees.
Before credits & paid funds$69,682The complete starting cash picture.
Estimated remaining funds due at closing
$69,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,453.98
Your down payment$59,453.98
Closing costs + prepaids$10,227.90
Total buyer cash needed$69,681.88
Remaining funds due$69,681.88
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)$315.00
Initial HOA (3 months)$600.00
Prepaid interest, first (30 days)$487.90
Fees + prepaids$10,227.90
Your down payment is the seller’s equity. You take over the $200,546 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $69,681.88 is due at closing. Uses and sources reconcile at $270,227.90 each. Not a Closing Disclosure.