Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,994Cash toward the purchase price.
Closing costs + prepaids$10,032Not just lender fees.
Before credits & paid funds$63,026The complete starting cash picture.
Estimated remaining funds due at closing
$63,026No 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$10,032.25
Total buyer cash needed$63,026.36
Remaining funds due$63,026.36
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 (31 days)$541.50
Fees + prepaids$10,032.25
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. $63,026.36 is due at closing. Uses and sources reconcile at $270,032.25 each. Not a Closing Disclosure.