Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$30,407Cash toward the purchase price.
Closing costs + prepaids$9,842Not just lender fees.
Before credits & paid funds$40,249The complete starting cash picture.
Estimated remaining funds due at closing
$40,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,406.93
Your down payment$30,406.93
Closing costs + prepaids$9,841.86
Total buyer cash needed$40,248.79
Remaining funds due$40,248.79
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 (17 days)$691.86
Fees + prepaids$9,841.86
Your down payment is the seller’s equity. You take over the $229,593 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $40,248.79 is due at closing. Uses and sources reconcile at $269,841.86 each. Not a Closing Disclosure.