Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,887Cash toward the purchase price.
Closing costs + prepaids$10,508Not just lender fees.
Before credits & paid funds$31,394The complete starting cash picture.
Estimated remaining funds due at closing
$31,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,886.61
Your down payment$20,886.61
Closing costs + prepaids$10,507.59
Total buyer cash needed$31,394.20
Remaining funds due$31,394.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$193.50
Initial HOA (3 months)$195.00
Prepaid interest, first (24 days)$1,095.09
Fees + prepaids$10,507.59
Your down payment is the seller’s equity. You take over the $259,013 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $31,394.20 is due at closing. Uses and sources reconcile at $290,407.59 each. Not a Closing Disclosure.