Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,511Cash toward the purchase price.
Closing costs + prepaids$10,582Not just lender fees.
Before credits & paid funds$42,093The complete starting cash picture.
Estimated remaining funds due at closing
$42,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,510.78
Your down payment$31,510.78
Closing costs + prepaids$10,581.91
Total buyer cash needed$42,092.69
Remaining funds due$42,092.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.90
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)$1,022.75
Prepaid interest, first (23 days)$734.26
Fees + prepaids$10,581.91
Your down payment is the seller’s equity. You take over the $228,479 balance, so the rest of the $259,990 price is paid at closing. A second mortgage can cover part of it. $42,092.69 is due at closing. Uses and sources reconcile at $270,571.91 each. Not a Closing Disclosure.