Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,205Cash toward the purchase price.
Closing costs + prepaids$10,869Not just lender fees.
Before credits & paid funds$36,074The complete starting cash picture.
Estimated remaining funds due at closing
$36,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,205.27
Your down payment$25,205.27
Closing costs + prepaids$10,868.60
Total buyer cash needed$36,073.86
Remaining funds due$36,073.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,864.99
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)$716.25
Prepaid interest, first (28 days)$1,062.36
Fees + prepaids$10,868.60
Your down payment is the seller’s equity. You take over the $261,294 balance, so the rest of the $286,499 price is paid at closing. A second mortgage can cover part of it. $36,073.86 is due at closing. Uses and sources reconcile at $297,367.60 each. Not a Closing Disclosure.