Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$19,740Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$30,813The complete starting cash picture.
Estimated remaining funds due at closing
$30,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,740.10
Your down payment$19,740.10
Closing costs + prepaids$11,073.34
Total buyer cash needed$30,813.44
Remaining funds due$30,813.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$948.00
Prepaid interest, first (29 days)$1,301.34
Fees + prepaids$11,073.34
Your down payment is the seller’s equity. You take over the $240,160 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $30,813.44 is due at closing. Uses and sources reconcile at $270,973.34 each. Not a Closing Disclosure.