Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,223Cash toward the purchase price.
Closing costs + prepaids$9,509Not just lender fees.
Before credits & paid funds$40,731The complete starting cash picture.
Estimated remaining funds due at closing
$40,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,222.62
Your down payment$31,222.62
Closing costs + prepaids$9,508.82
Total buyer cash needed$40,731.45
Remaining funds due$40,731.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,509.00
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)$750.75
Prepaid interest, first (1 days)$24.07
Fees + prepaids$9,508.82
Your down payment is the seller’s equity. You take over the $219,677 balance, so the rest of the $250,900 price is paid at closing. A second mortgage can cover part of it. $40,731.45 is due at closing. Uses and sources reconcile at $260,408.82 each. Not a Closing Disclosure.