Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$30,741Cash toward the purchase price.
Closing costs + prepaids$9,515Not just lender fees.
Before credits & paid funds$40,256The complete starting cash picture.
Estimated remaining funds due at closing
$40,256No 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$9,515.11
Total buyer cash needed$40,256.21
Remaining funds due$40,256.21
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)$308.50
Prepaid interest, first (10 days)$411.61
Fees + prepaids$9,515.11
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. $40,256.21 is due at closing. Uses and sources reconcile at $266,515.11 each. Not a Closing Disclosure.