Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$30,741Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$40,707The complete starting cash picture.
Estimated remaining funds due at closing
$40,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,741.10
Your down payment$30,741.10
Closing costs + prepaids$9,966.21
Total buyer cash needed$40,707.31
Remaining funds due$40,707.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$348.00
Prepaid interest, first (20 days)$823.21
Fees + prepaids$9,966.21
Your down payment is the seller’s equity. You take over the $226,259 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $40,707.31 is due at closing. Uses and sources reconcile at $266,966.21 each. Not a Closing Disclosure.