Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$20,854Cash toward the purchase price.
Closing costs + prepaids$9,911Not just lender fees.
Before credits & paid funds$30,765The complete starting cash picture.
Estimated remaining funds due at closing
$30,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,854.09
Your down payment$20,854.09
Closing costs + prepaids$9,911.31
Total buyer cash needed$30,765.40
Remaining funds due$30,765.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$331.25
Prepaid interest, first (15 days)$706.06
Fees + prepaids$9,911.31
Your down payment is the seller’s equity. You take over the $244,046 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $30,765.40 is due at closing. Uses and sources reconcile at $274,811.31 each. Not a Closing Disclosure.