Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,540Cash toward the purchase price.
Closing costs + prepaids$10,209Not just lender fees.
Before credits & paid funds$35,749The complete starting cash picture.
Estimated remaining funds due at closing
$35,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,540.02
Your down payment$25,540.02
Closing costs + prepaids$10,208.65
Total buyer cash needed$35,748.67
Remaining funds due$35,748.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$382.75
Prepaid interest, first (25 days)$850.90
Fees + prepaids$10,208.65
Your down payment is the seller’s equity. You take over the $249,460 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $35,748.67 is due at closing. Uses and sources reconcile at $285,208.65 each. Not a Closing Disclosure.