Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,557Cash toward the purchase price.
Closing costs + prepaids$11,573Not just lender fees.
Before credits & paid funds$32,130The complete starting cash picture.
Estimated remaining funds due at closing
$32,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,557.39
Your down payment$20,557.39
Closing costs + prepaids$11,572.54
Total buyer cash needed$32,129.93
Remaining funds due$32,129.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.50
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)$1,362.25
Prepaid interest, first (30 days)$1,335.79
Fees + prepaids$11,572.54
Your down payment is the seller’s equity. You take over the $244,393 balance, so the rest of the $264,950 price is paid at closing. A second mortgage can cover part of it. $32,129.93 is due at closing. Uses and sources reconcile at $276,522.54 each. Not a Closing Disclosure.