Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,672Cash toward the purchase price.
Closing costs + prepaids$11,336Not just lender fees.
Before credits & paid funds$38,009The complete starting cash picture.
Estimated remaining funds due at closing
$38,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,672.36
Your down payment$26,672.36
Closing costs + prepaids$11,336.37
Total buyer cash needed$38,008.73
Remaining funds due$38,008.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,189.00
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)$797.25
Prepaid interest, first (23 days)$1,125.12
Fees + prepaids$11,336.37
Your down payment is the seller’s equity. You take over the $292,228 balance, so the rest of the $318,900 price is paid at closing. A second mortgage can cover part of it. $38,008.73 is due at closing. Uses and sources reconcile at $330,236.37 each. Not a Closing Disclosure.