Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$20,999Cash toward the purchase price.
Closing costs + prepaids$10,559Not just lender fees.
Before credits & paid funds$31,558The complete starting cash picture.
Estimated remaining funds due at closing
$31,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,998.90
Your down payment$20,998.90
Closing costs + prepaids$10,559.39
Total buyer cash needed$31,558.28
Remaining funds due$31,558.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,100.00
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)$408.75
Initial HOA (3 months)$2,463.00
Prepaid interest, first (22 days)$362.64
Fees + prepaids$10,559.39
Your down payment is the seller’s equity. You take over the $89,001 balance, so the rest of the $110,000 price is paid at closing. A second mortgage can cover part of it. $31,558.28 is due at closing. Uses and sources reconcile at $120,559.39 each. Not a Closing Disclosure.