Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$35,229Cash toward the purchase price.
Closing costs + prepaids$9,933Not just lender fees.
Before credits & paid funds$45,163The complete starting cash picture.
Estimated remaining funds due at closing
$45,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,229.43
Your down payment$35,229.43
Closing costs + prepaids$9,933.21
Total buyer cash needed$45,162.64
Remaining funds due$45,162.64
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)$334.75
Prepaid interest, first (20 days)$773.46
Fees + prepaids$9,933.21
Your down payment is the seller’s equity. You take over the $224,771 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $45,162.64 is due at closing. Uses and sources reconcile at $269,933.21 each. Not a Closing Disclosure.