Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,767Cash toward the purchase price.
Closing costs + prepaids$9,400Not just lender fees.
Before credits & paid funds$36,167The complete starting cash picture.
Estimated remaining funds due at closing
$36,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,766.81
Your down payment$26,766.81
Closing costs + prepaids$9,400.43
Total buyer cash needed$36,167.24
Remaining funds due$36,167.24
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 (12 days)$264.43
Fees + prepaids$9,400.43
Your down payment is the seller’s equity. You take over the $233,133 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $36,167.24 is due at closing. Uses and sources reconcile at $269,300.43 each. Not a Closing Disclosure.