Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$27,453Cash toward the purchase price.
Closing costs + prepaids$9,518Not just lender fees.
Before credits & paid funds$36,971The complete starting cash picture.
Estimated remaining funds due at closing
$36,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,452.63
Your down payment$27,452.63
Closing costs + prepaids$9,518.31
Total buyer cash needed$36,970.95
Remaining funds due$36,970.95
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)$312.00
Prepaid interest, first (9 days)$381.31
Fees + prepaids$9,518.31
Your down payment is the seller’s equity. You take over the $232,547 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $36,970.95 is due at closing. Uses and sources reconcile at $269,518.31 each. Not a Closing Disclosure.