Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,151Cash toward the purchase price.
Closing costs + prepaids$9,833Not just lender fees.
Before credits & paid funds$37,984The complete starting cash picture.
Estimated remaining funds due at closing
$37,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,150.61
Your down payment$28,150.61
Closing costs + prepaids$9,833.09
Total buyer cash needed$37,983.71
Remaining funds due$37,983.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,694.99
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)$388.75
Prepaid interest, first (26 days)$524.35
Fees + prepaids$9,833.09
Your down payment is the seller’s equity. You take over the $241,348 balance, so the rest of the $269,499 price is paid at closing. A second mortgage can cover part of it. $37,983.71 is due at closing. Uses and sources reconcile at $279,332.09 each. Not a Closing Disclosure.