Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,987Cash toward the purchase price.
Closing costs + prepaids$10,322Not just lender fees.
Before credits & paid funds$30,309The complete starting cash picture.
Estimated remaining funds due at closing
$30,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,986.99
Your down payment$19,986.99
Closing costs + prepaids$10,322.36
Total buyer cash needed$30,309.35
Remaining funds due$30,309.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,640.00
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)$880.75
Prepaid interest, first (25 days)$576.61
Fees + prepaids$10,322.36
Your down payment is the seller’s equity. You take over the $244,013 balance, so the rest of the $264,000 price is paid at closing. A second mortgage can cover part of it. $30,309.35 is due at closing. Uses and sources reconcile at $274,322.36 each. Not a Closing Disclosure.