Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$52,994Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$62,834The complete starting cash picture.
Estimated remaining funds due at closing
$62,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,994.10
Your down payment$52,994.10
Closing costs + prepaids$9,840.11
Total buyer cash needed$62,834.21
Remaining funds due$62,834.21
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)$401.75
Initial HOA (3 months)$264.00
Prepaid interest, first (20 days)$349.36
Fees + prepaids$9,840.11
Your down payment is the seller’s equity. You take over the $207,006 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $62,834.21 is due at closing. Uses and sources reconcile at $269,840.11 each. Not a Closing Disclosure.