Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$5,853Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$16,418The complete starting cash picture.
Estimated remaining funds due at closing
$16,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,853.34
Your down payment$5,853.34
Closing costs + prepaids$10,564.60
Total buyer cash needed$16,417.94
Remaining funds due$16,417.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$900.50
Prepaid interest, first (25 days)$539.10
Fees + prepaids$10,564.60
Your down payment is the seller’s equity. You take over the $284,147 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $16,417.94 is due at closing. Uses and sources reconcile at $300,564.60 each. Not a Closing Disclosure.