Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,489Cash toward the purchase price.
Closing costs + prepaids$9,404Not just lender fees.
Before credits & paid funds$62,893The complete starting cash picture.
Estimated remaining funds due at closing
$62,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,488.97
Your down payment$53,488.97
Closing costs + prepaids$9,404.23
Total buyer cash needed$62,893.20
Remaining funds due$62,893.20
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)$372.00
Initial HOA (3 months)$192.00
Prepaid interest, first (1 days)$16.23
Fees + prepaids$9,404.23
Your down payment is the seller’s equity. You take over the $206,411 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $62,893.20 is due at closing. Uses and sources reconcile at $269,304.23 each. Not a Closing Disclosure.