Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$28,201Cash toward the purchase price.
Closing costs + prepaids$10,467Not just lender fees.
Before credits & paid funds$38,668The complete starting cash picture.
Estimated remaining funds due at closing
$38,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,200.58
Your down payment$28,200.58
Closing costs + prepaids$10,467.29
Total buyer cash needed$38,667.87
Remaining funds due$38,667.87
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)$312.00
Initial HOA (3 months)$894.00
Prepaid interest, first (10 days)$436.29
Fees + prepaids$10,467.29
Your down payment is the seller’s equity. You take over the $231,799 balance, so the rest of the $260,000 price is paid at closing. A second mortgage can cover part of it. $38,667.87 is due at closing. Uses and sources reconcile at $270,467.29 each. Not a Closing Disclosure.