Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,725Cash toward the purchase price.
Closing costs + prepaids$10,962Not just lender fees.
Before credits & paid funds$29,687The complete starting cash picture.
Estimated remaining funds due at closing
$29,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,724.65
Your down payment$18,724.65
Closing costs + prepaids$10,962.10
Total buyer cash needed$29,686.75
Remaining funds due$29,686.75
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)$156.50
Initial HOA (3 months)$558.00
Prepaid interest, first (31 days)$1,423.60
Fees + prepaids$10,962.10
Your down payment is the seller’s equity. You take over the $241,175 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $29,686.75 is due at closing. Uses and sources reconcile at $270,862.10 each. Not a Closing Disclosure.