Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,167Cash toward the purchase price.
Closing costs + prepaids$10,076Not just lender fees.
Before credits & paid funds$38,244The complete starting cash picture.
Estimated remaining funds due at closing
$38,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,167.33
Your down payment$28,167.33
Closing costs + prepaids$10,076.39
Total buyer cash needed$38,243.72
Remaining funds due$38,243.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$412.25
Prepaid interest, first (25 days)$990.14
Fees + prepaids$10,076.39
Your down payment is the seller’s equity. You take over the $216,733 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $38,243.72 is due at closing. Uses and sources reconcile at $254,976.39 each. Not a Closing Disclosure.