Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,394Cash toward the purchase price.
Closing costs + prepaids$11,455Not just lender fees.
Before credits & paid funds$66,849The complete starting cash picture.
Estimated remaining funds due at closing
$66,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,393.57
Your down payment$55,393.57
Closing costs + prepaids$11,455.12
Total buyer cash needed$66,848.69
Remaining funds due$66,848.69
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)$649.75
Initial HOA (3 months)$1,425.00
Prepaid interest, first (30 days)$556.37
Fees + prepaids$11,455.12
Your down payment is the seller’s equity. You take over the $204,506 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $66,848.69 is due at closing. Uses and sources reconcile at $271,355.12 each. Not a Closing Disclosure.