Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,663Cash toward the purchase price.
Closing costs + prepaids$10,254Not just lender fees.
Before credits & paid funds$39,917The complete starting cash picture.
Estimated remaining funds due at closing
$39,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,663.36
Your down payment$29,663.36
Closing costs + prepaids$10,254.09
Total buyer cash needed$39,917.45
Remaining funds due$39,917.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.99
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)$748.00
Prepaid interest, first (22 days)$881.10
Fees + prepaids$10,254.09
Your down payment is the seller’s equity. You take over the $210,336 balance, so the rest of the $239,999 price is paid at closing. A second mortgage can cover part of it. $39,917.45 is due at closing. Uses and sources reconcile at $250,253.09 each. Not a Closing Disclosure.