Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,080Cash toward the purchase price.
Closing costs + prepaids$10,398Not just lender fees.
Before credits & paid funds$19,478The complete starting cash picture.
Estimated remaining funds due at closing
$19,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,080.13
Your down payment$9,080.13
Closing costs + prepaids$10,398.16
Total buyer cash needed$19,478.29
Remaining funds due$19,478.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,920.00
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)$48.00
Prepaid interest, first (26 days)$1,205.16
Fees + prepaids$10,398.16
Your down payment is the seller’s equity. You take over the $282,920 balance, so the rest of the $292,000 price is paid at closing. A second mortgage can cover part of it. $19,478.29 is due at closing. Uses and sources reconcile at $302,398.16 each. Not a Closing Disclosure.