Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,488Cash toward the purchase price.
Closing costs + prepaids$10,108Not just lender fees.
Before credits & paid funds$42,595The complete starting cash picture.
Estimated remaining funds due at closing
$42,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,487.79
Your down payment$32,487.79
Closing costs + prepaids$10,107.65
Total buyer cash needed$42,595.44
Remaining funds due$42,595.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$255.00
Prepaid interest, first (26 days)$1,028.65
Fees + prepaids$10,107.65
Your down payment is the seller’s equity. You take over the $227,412 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $42,595.44 is due at closing. Uses and sources reconcile at $270,007.65 each. Not a Closing Disclosure.