Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$57,027Cash toward the purchase price.
Closing costs + prepaids$10,177Not just lender fees.
Before credits & paid funds$67,203The complete starting cash picture.
Estimated remaining funds due at closing
$67,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,026.59
Your down payment$57,026.59
Closing costs + prepaids$10,176.68
Total buyer cash needed$67,203.27
Remaining funds due$67,203.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$22.00
Prepaid interest, first (27 days)$1,129.78
Fees + prepaids$10,176.68
Your down payment is the seller’s equity. You take over the $222,963 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $67,203.27 is due at closing. Uses and sources reconcile at $290,166.68 each. Not a Closing Disclosure.