Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$30,465Cash toward the purchase price.
Closing costs + prepaids$10,305Not just lender fees.
Before credits & paid funds$40,770The complete starting cash picture.
Estimated remaining funds due at closing
$40,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,465.01
Your down payment$30,465.01
Closing costs + prepaids$10,305.13
Total buyer cash needed$40,770.14
Remaining funds due$40,770.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,409.00
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)$579.75
Prepaid interest, first (30 days)$1,091.38
Fees + prepaids$10,305.13
Your down payment is the seller’s equity. You take over the $210,435 balance, so the rest of the $240,900 price is paid at closing. A second mortgage can cover part of it. $40,770.14 is due at closing. Uses and sources reconcile at $251,205.13 each. Not a Closing Disclosure.