Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$11,990Cash toward the purchase price.
Closing costs + prepaids$9,521Not just lender fees.
Before credits & paid funds$21,511The complete starting cash picture.
Estimated remaining funds due at closing
$21,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,989.72
Your down payment$11,989.72
Closing costs + prepaids$9,521.49
Total buyer cash needed$21,511.21
Remaining funds due$21,511.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,295.00
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)$145.75
Prepaid interest, first (20 days)$855.74
Fees + prepaids$9,521.49
Your down payment is the seller’s equity. You take over the $217,510 balance, so the rest of the $229,500 price is paid at closing. A second mortgage can cover part of it. $21,511.21 is due at closing. Uses and sources reconcile at $239,021.49 each. Not a Closing Disclosure.