Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,825Cash toward the purchase price.
Closing costs + prepaids$9,463Not just lender fees.
Before credits & paid funds$41,288The complete starting cash picture.
Estimated remaining funds due at closing
$41,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,825.47
Your down payment$31,825.47
Closing costs + prepaids$9,462.73
Total buyer cash needed$41,288.20
Remaining funds due$41,288.20
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)$697.50
Prepaid interest, first (1 days)$41.23
Fees + prepaids$9,462.73
Your down payment is the seller’s equity. You take over the $218,075 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $41,288.20 is due at closing. Uses and sources reconcile at $259,362.73 each. Not a Closing Disclosure.