Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,011Cash toward the purchase price.
Closing costs + prepaids$10,131Not just lender fees.
Before credits & paid funds$36,142The complete starting cash picture.
Estimated remaining funds due at closing
$36,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,010.71
Your down payment$26,010.71
Closing costs + prepaids$10,130.99
Total buyer cash needed$36,141.70
Remaining funds due$36,141.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$300.00
Initial HOA (3 months)$645.00
Prepaid interest, first (12 days)$460.99
Fees + prepaids$10,130.99
Your down payment is the seller’s equity. You take over the $223,989 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $36,141.70 is due at closing. Uses and sources reconcile at $260,130.99 each. Not a Closing Disclosure.