Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,935Cash toward the purchase price.
Closing costs + prepaids$10,225Not just lender fees.
Before credits & paid funds$41,160The complete starting cash picture.
Estimated remaining funds due at closing
$41,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,934.81
Your down payment$30,934.81
Closing costs + prepaids$10,224.73
Total buyer cash needed$41,159.54
Remaining funds due$41,159.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,385.00
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)$690.75
Prepaid interest, first (24 days)$923.98
Fees + prepaids$10,224.73
Your down payment is the seller’s equity. You take over the $207,565 balance, so the rest of the $238,500 price is paid at closing. A second mortgage can cover part of it. $41,159.54 is due at closing. Uses and sources reconcile at $248,724.73 each. Not a Closing Disclosure.