Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,496Cash toward the purchase price.
Closing costs + prepaids$10,652Not just lender fees.
Before credits & paid funds$41,148The complete starting cash picture.
Estimated remaining funds due at closing
$41,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,496.10
Your down payment$30,496.10
Closing costs + prepaids$10,652.17
Total buyer cash needed$41,148.27
Remaining funds due$41,148.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$670.50
Prepaid interest, first (25 days)$1,106.67
Fees + prepaids$10,652.17
Your down payment is the seller’s equity. You take over the $234,504 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $41,148.27 is due at closing. Uses and sources reconcile at $275,652.17 each. Not a Closing Disclosure.