Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$30,741Cash toward the purchase price.
Closing costs + prepaids$9,474Not just lender fees.
Before credits & paid funds$40,215The complete starting cash picture.
Estimated remaining funds due at closing
$40,215No 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$9,473.94
Total buyer cash needed$40,215.05
Remaining funds due$40,215.05
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 (9 days)$370.44
Fees + prepaids$9,473.94
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. $40,215.05 is due at closing. Uses and sources reconcile at $266,473.94 each. Not a Closing Disclosure.