Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,305Cash toward the purchase price.
Closing costs + prepaids$10,715Not just lender fees.
Before credits & paid funds$20,020The complete starting cash picture.
Estimated remaining funds due at closing
$20,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,305.08
Your down payment$9,305.08
Closing costs + prepaids$10,715.22
Total buyer cash needed$20,020.29
Remaining funds due$20,020.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$647.50
Prepaid interest, first (28 days)$1,252.72
Fees + prepaids$10,715.22
Your down payment is the seller’s equity. You take over the $249,695 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $20,020.29 is due at closing. Uses and sources reconcile at $269,715.22 each. Not a Closing Disclosure.