Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,420Cash toward the purchase price.
Closing costs + prepaids$9,475Not just lender fees.
Before credits & paid funds$30,894The complete starting cash picture.
Estimated remaining funds due at closing
$30,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,419.65
Your down payment$21,419.65
Closing costs + prepaids$9,474.61
Total buyer cash needed$30,894.26
Remaining funds due$30,894.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$322.25
Prepaid interest, first (28 days)$877.36
Fees + prepaids$9,474.61
Your down payment is the seller’s equity. You take over the $183,580 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $30,894.26 is due at closing. Uses and sources reconcile at $214,474.61 each. Not a Closing Disclosure.