Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$19,900Cash toward the purchase price.
Closing costs + prepaids$11,199Not just lender fees.
Before credits & paid funds$31,099The complete starting cash picture.
Estimated remaining funds due at closing
$31,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,900.37
Your down payment$19,900.37
Closing costs + prepaids$11,198.68
Total buyer cash needed$31,099.05
Remaining funds due$31,099.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,698.00
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)$277.75
Initial HOA (3 months)$930.00
Prepaid interest, first (22 days)$1,067.93
Fees + prepaids$11,198.68
Your down payment is the seller’s equity. You take over the $249,900 balance, so the rest of the $269,800 price is paid at closing. A second mortgage can cover part of it. $31,099.05 is due at closing. Uses and sources reconcile at $280,998.68 each. Not a Closing Disclosure.