Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$10,529Cash toward the purchase price.
Closing costs + prepaids$9,954Not just lender fees.
Before credits & paid funds$20,483The complete starting cash picture.
Estimated remaining funds due at closing
$20,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,528.52
Your down payment$10,528.52
Closing costs + prepaids$9,954.33
Total buyer cash needed$20,482.85
Remaining funds due$20,482.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$299.00
Prepaid interest, first (20 days)$930.33
Fees + prepaids$9,954.33
Your down payment is the seller’s equity. You take over the $239,471 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $20,482.85 is due at closing. Uses and sources reconcile at $259,954.33 each. Not a Closing Disclosure.