Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$20,467Cash toward the purchase price.
Closing costs + prepaids$10,953Not just lender fees.
Before credits & paid funds$31,420The complete starting cash picture.
Estimated remaining funds due at closing
$31,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,466.99
Your down payment$20,466.99
Closing costs + prepaids$10,953.23
Total buyer cash needed$31,420.22
Remaining funds due$31,420.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,560.00
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)$1,089.75
Prepaid interest, first (27 days)$1,078.48
Fees + prepaids$10,953.23
Your down payment is the seller’s equity. You take over the $235,533 balance, so the rest of the $256,000 price is paid at closing. A second mortgage can cover part of it. $31,420.22 is due at closing. Uses and sources reconcile at $266,953.23 each. Not a Closing Disclosure.