Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$20,940Cash toward the purchase price.
Closing costs + prepaids$10,093Not just lender fees.
Before credits & paid funds$31,032The complete starting cash picture.
Estimated remaining funds due at closing
$31,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,939.80
Your down payment$20,939.80
Closing costs + prepaids$10,092.54
Total buyer cash needed$31,032.34
Remaining funds due$31,032.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$358.75
Prepaid interest, first (10 days)$518.79
Fees + prepaids$10,092.54
Your down payment is the seller’s equity. You take over the $278,060 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $31,032.34 is due at closing. Uses and sources reconcile at $309,092.54 each. Not a Closing Disclosure.