Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,388Cash toward the purchase price.
Closing costs + prepaids$11,481Not just lender fees.
Before credits & paid funds$30,869The complete starting cash picture.
Estimated remaining funds due at closing
$30,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,387.90
Your down payment$19,387.90
Closing costs + prepaids$11,481.21
Total buyer cash needed$30,869.11
Remaining funds due$30,869.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$341.50
Prepaid interest, first (30 days)$1,714.72
Fees + prepaids$11,481.21
Your down payment is the seller’s equity. You take over the $300,611 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $30,869.11 is due at closing. Uses and sources reconcile at $331,480.21 each. Not a Closing Disclosure.