Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$21,264Cash toward the purchase price.
Closing costs + prepaids$10,109Not just lender fees.
Before credits & paid funds$31,373The complete starting cash picture.
Estimated remaining funds due at closing
$31,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,264.04
Your down payment$21,264.04
Closing costs + prepaids$10,109.42
Total buyer cash needed$31,373.46
Remaining funds due$31,373.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$41.25
Prepaid interest, first (22 days)$1,043.27
Fees + prepaids$10,109.42
Your down payment is the seller’s equity. You take over the $258,726 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $31,373.46 is due at closing. Uses and sources reconcile at $290,099.42 each. Not a Closing Disclosure.