Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$11,461Cash toward the purchase price.
Closing costs + prepaids$9,894Not just lender fees.
Before credits & paid funds$21,355The complete starting cash picture.
Estimated remaining funds due at closing
$21,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,461.37
Your down payment$11,461.37
Closing costs + prepaids$9,894.12
Total buyer cash needed$21,355.49
Remaining funds due$21,355.49
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)$325.00
Prepaid interest, first (16 days)$744.12
Fees + prepaids$9,894.12
Your down payment is the seller’s equity. You take over the $248,539 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $21,355.49 is due at closing. Uses and sources reconcile at $269,894.12 each. Not a Closing Disclosure.