Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,264Cash toward the purchase price.
Closing costs + prepaids$10,536Not just lender fees.
Before credits & paid funds$31,800The complete starting cash picture.
Estimated remaining funds due at closing
$31,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,264.04
Your down payment$21,264.04
Closing costs + prepaids$10,536.21
Total buyer cash needed$31,800.25
Remaining funds due$31,800.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$41.25
Prepaid interest, first (31 days)$1,470.06
Fees + prepaids$10,536.21
Your down payment is the seller’s equity. You take over the $258,726 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $31,800.25 is due at closing. Uses and sources reconcile at $290,526.21 each. Not a Closing Disclosure.