Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,882Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$41,983The complete starting cash picture.
Estimated remaining funds due at closing
$41,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,882.46
Your down payment$30,882.46
Closing costs + prepaids$11,100.12
Total buyer cash needed$41,982.58
Remaining funds due$41,982.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,798.98
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)$872.00
Prepaid interest, first (25 days)$1,204.14
Fees + prepaids$11,100.12
Your down payment is the seller’s equity. You take over the $249,016 balance, so the rest of the $279,898 price is paid at closing. A second mortgage can cover part of it. $41,982.58 is due at closing. Uses and sources reconcile at $290,998.12 each. Not a Closing Disclosure.