Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$32,488Cash toward the purchase price.
Closing costs + prepaids$9,492Not just lender fees.
Before credits & paid funds$41,980The complete starting cash picture.
Estimated remaining funds due at closing
$41,980No 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$9,492.07
Total buyer cash needed$41,979.86
Remaining funds due$41,979.86
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
Prepaid interest, first (9 days)$356.07
Fees + prepaids$9,492.07
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. $41,979.86 is due at closing. Uses and sources reconcile at $269,392.07 each. Not a Closing Disclosure.