Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$27,703Cash toward the purchase price.
Closing costs + prepaids$11,964Not just lender fees.
Before credits & paid funds$39,666The complete starting cash picture.
Estimated remaining funds due at closing
$39,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,702.57
Your down payment$27,702.57
Closing costs + prepaids$11,963.82
Total buyer cash needed$39,666.39
Remaining funds due$39,666.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,032.22
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)$1,695.25
Prepaid interest, first (22 days)$1,011.35
Fees + prepaids$11,963.82
Your down payment is the seller’s equity. You take over the $275,519 balance, so the rest of the $303,222 price is paid at closing. A second mortgage can cover part of it. $39,666.39 is due at closing. Uses and sources reconcile at $315,185.82 each. Not a Closing Disclosure.