Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$17,781Cash toward the purchase price.
Closing costs + prepaids$9,771Not just lender fees.
Before credits & paid funds$27,552The complete starting cash picture.
Estimated remaining funds due at closing
$27,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,781.09
Your down payment$17,781.09
Closing costs + prepaids$9,771.25
Total buyer cash needed$27,552.34
Remaining funds due$27,552.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,595.00
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)$324.50
Prepaid interest, first (14 days)$626.75
Fees + prepaids$9,771.25
Your down payment is the seller’s equity. You take over the $241,719 balance, so the rest of the $259,500 price is paid at closing. A second mortgage can cover part of it. $27,552.34 is due at closing. Uses and sources reconcile at $269,271.25 each. Not a Closing Disclosure.