Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,219Cash toward the purchase price.
Closing costs + prepaids$9,009Not just lender fees.
Before credits & paid funds$40,229The complete starting cash picture.
Estimated remaining funds due at closing
$40,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,219.33
Your down payment$31,219.33
Closing costs + prepaids$9,009.24
Total buyer cash needed$40,228.57
Remaining funds due$40,228.57
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)$39.75
Initial HOA (3 months)$65.01
Prepaid interest, first (2 days)$79.48
Fees + prepaids$9,009.24
Your down payment is the seller’s equity. You take over the $228,781 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $40,228.57 is due at closing. Uses and sources reconcile at $269,009.24 each. Not a Closing Disclosure.