Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$20,492Cash toward the purchase price.
Closing costs + prepaids$10,112Not just lender fees.
Before credits & paid funds$30,604The complete starting cash picture.
Estimated remaining funds due at closing
$30,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,491.56
Your down payment$20,491.56
Closing costs + prepaids$10,112.11
Total buyer cash needed$30,603.67
Remaining funds due$30,603.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$354.50
Prepaid interest, first (28 days)$842.61
Fees + prepaids$10,112.11
Your down payment is the seller’s equity. You take over the $248,508 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $30,603.67 is due at closing. Uses and sources reconcile at $279,112.11 each. Not a Closing Disclosure.