Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,735Cash toward the purchase price.
Closing costs + prepaids$9,777Not just lender fees.
Before credits & paid funds$40,512The complete starting cash picture.
Estimated remaining funds due at closing
$40,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,735.20
Your down payment$30,735.20
Closing costs + prepaids$9,777.19
Total buyer cash needed$40,512.39
Remaining funds due$40,512.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.90
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)$957.50
Prepaid interest, first (24 days)$294.79
Fees + prepaids$9,777.19
Your down payment is the seller’s equity. You take over the $199,255 balance, so the rest of the $229,990 price is paid at closing. A second mortgage can cover part of it. $40,512.39 is due at closing. Uses and sources reconcile at $239,767.19 each. Not a Closing Disclosure.