Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,297Cash toward the purchase price.
Closing costs + prepaids$10,368Not just lender fees.
Before credits & paid funds$32,665The complete starting cash picture.
Estimated remaining funds due at closing
$32,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,296.77
Your down payment$22,296.77
Closing costs + prepaids$10,368.05
Total buyer cash needed$32,664.82
Remaining funds due$32,664.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$179.75
Prepaid interest, first (27 days)$1,164.30
Fees + prepaids$10,368.05
Your down payment is the seller’s equity. You take over the $257,603 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $32,664.82 is due at closing. Uses and sources reconcile at $290,268.05 each. Not a Closing Disclosure.