Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$9,039Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$20,741The complete starting cash picture.
Estimated remaining funds due at closing
$20,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,038.71
Your down payment$9,038.71
Closing costs + prepaids$11,702.58
Total buyer cash needed$20,741.29
Remaining funds due$20,741.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$1,622.50
Prepaid interest, first (30 days)$1,356.08
Fees + prepaids$11,702.58
Your down payment is the seller’s equity. You take over the $240,861 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $20,741.29 is due at closing. Uses and sources reconcile at $261,602.58 each. Not a Closing Disclosure.