Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$53,965Cash toward the purchase price.
Closing costs + prepaids$9,474Not just lender fees.
Before credits & paid funds$63,438The complete starting cash picture.
Estimated remaining funds due at closing
$63,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,964.67
Your down payment$53,964.67
Closing costs + prepaids$9,473.73
Total buyer cash needed$63,438.40
Remaining funds due$63,438.40
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)$312.00
Initial HOA (3 months)$192.00
Prepaid interest, first (9 days)$145.73
Fees + prepaids$9,473.73
Your down payment is the seller’s equity. You take over the $205,935 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $63,438.40 is due at closing. Uses and sources reconcile at $269,373.73 each. Not a Closing Disclosure.