Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$52,549Cash toward the purchase price.
Closing costs + prepaids$10,721Not just lender fees.
Before credits & paid funds$63,270The complete starting cash picture.
Estimated remaining funds due at closing
$63,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,548.85
Your down payment$52,548.85
Closing costs + prepaids$10,720.74
Total buyer cash needed$63,269.60
Remaining funds due$63,269.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$243.00
Initial HOA (3 months)$1,257.00
Prepaid interest, first (20 days)$346.74
Fees + prepaids$10,720.74
Your down payment is the seller’s equity. You take over the $212,351 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $63,269.60 is due at closing. Uses and sources reconcile at $275,620.74 each. Not a Closing Disclosure.