Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,736Cash toward the purchase price.
Closing costs + prepaids$11,085Not just lender fees.
Before credits & paid funds$52,821The complete starting cash picture.
Estimated remaining funds due at closing
$52,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,736.45
Your down payment$41,736.45
Closing costs + prepaids$11,084.97
Total buyer cash needed$52,821.41
Remaining funds due$52,821.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,860.00
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)$967.50
Prepaid interest, first (28 days)$1,032.47
Fees + prepaids$11,084.97
Your down payment is the seller’s equity. You take over the $244,264 balance, so the rest of the $286,000 price is paid at closing. A second mortgage can cover part of it. $52,821.41 is due at closing. Uses and sources reconcile at $297,084.97 each. Not a Closing Disclosure.