Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,072Cash toward the purchase price.
Closing costs + prepaids$10,765Not just lender fees.
Before credits & paid funds$38,838The complete starting cash picture.
Estimated remaining funds due at closing
$38,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,072.27
Your down payment$28,072.27
Closing costs + prepaids$10,765.33
Total buyer cash needed$38,837.60
Remaining funds due$38,837.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$860.00
Prepaid interest, first (25 days)$1,081.33
Fees + prepaids$10,765.33
Your down payment is the seller’s equity. You take over the $231,828 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $38,837.60 is due at closing. Uses and sources reconcile at $270,665.33 each. Not a Closing Disclosure.