Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,639Cash toward the purchase price.
Closing costs + prepaids$10,037Not just lender fees.
Before credits & paid funds$41,676The complete starting cash picture.
Estimated remaining funds due at closing
$41,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,638.85
Your down payment$31,638.85
Closing costs + prepaids$10,037.41
Total buyer cash needed$41,676.25
Remaining funds due$41,676.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,509.00
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)$750.75
Prepaid interest, first (23 days)$552.66
Fees + prepaids$10,037.41
Your down payment is the seller’s equity. You take over the $219,261 balance, so the rest of the $250,900 price is paid at closing. A second mortgage can cover part of it. $41,676.25 is due at closing. Uses and sources reconcile at $260,937.41 each. Not a Closing Disclosure.