Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,654Cash toward the purchase price.
Closing costs + prepaids$12,141Not just lender fees.
Before credits & paid funds$50,794The complete starting cash picture.
Estimated remaining funds due at closing
$50,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,653.59
Your down payment$38,653.59
Closing costs + prepaids$12,140.69
Total buyer cash needed$50,794.28
Remaining funds due$50,794.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.50
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)$2,125.75
Prepaid interest, first (22 days)$990.44
Fees + prepaids$12,140.69
Your down payment is the seller’s equity. You take over the $241,296 balance, so the rest of the $279,950 price is paid at closing. A second mortgage can cover part of it. $50,794.28 is due at closing. Uses and sources reconcile at $292,090.69 each. Not a Closing Disclosure.