Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$9,008Cash toward the purchase price.
Closing costs + prepaids$11,115Not just lender fees.
Before credits & paid funds$20,123The complete starting cash picture.
Estimated remaining funds due at closing
$20,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,008.44
Your down payment$9,008.44
Closing costs + prepaids$11,114.70
Total buyer cash needed$20,123.14
Remaining funds due$20,123.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$663.50
Prepaid interest, first (23 days)$1,326.20
Fees + prepaids$11,114.70
Your down payment is the seller’s equity. You take over the $280,992 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $20,123.14 is due at closing. Uses and sources reconcile at $301,114.70 each. Not a Closing Disclosure.