Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$1,234Cash toward the purchase price.
Closing costs + prepaids$9,730Not just lender fees.
Before credits & paid funds$10,963The complete starting cash picture.
Estimated remaining funds due at closing
$10,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,233.85
Your down payment$1,233.85
Closing costs + prepaids$9,729.51
Total buyer cash needed$10,963.37
Remaining funds due$10,963.37
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)$135.00
Prepaid interest, first (10 days)$458.51
Fees + prepaids$9,729.51
Your down payment is the seller’s equity. You take over the $258,666 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $10,963.37 is due at closing. Uses and sources reconcile at $269,629.51 each. Not a Closing Disclosure.