Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,592Cash toward the purchase price.
Closing costs + prepaids$9,800Not just lender fees.
Before credits & paid funds$30,392The complete starting cash picture.
Estimated remaining funds due at closing
$30,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,592.19
Your down payment$20,592.19
Closing costs + prepaids$9,799.81
Total buyer cash needed$30,392.00
Remaining funds due$30,392.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$1,036.25
Prepaid interest, first (1 days)$48.56
Fees + prepaids$9,799.81
Your down payment is the seller’s equity. You take over the $228,408 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $30,392.00 is due at closing. Uses and sources reconcile at $258,799.81 each. Not a Closing Disclosure.