Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,304Cash toward the purchase price.
Closing costs + prepaids$10,017Not just lender fees.
Before credits & paid funds$30,320The complete starting cash picture.
Estimated remaining funds due at closing
$30,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,303.54
Your down payment$20,303.54
Closing costs + prepaids$10,016.63
Total buyer cash needed$30,320.17
Remaining funds due$30,320.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,395.00
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)$598.75
Prepaid interest, first (26 days)$797.88
Fees + prepaids$10,016.63
Your down payment is the seller’s equity. You take over the $219,196 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $30,320.17 is due at closing. Uses and sources reconcile at $249,516.63 each. Not a Closing Disclosure.