Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,800Cash toward the purchase price.
Closing costs + prepaids$10,510Not just lender fees.
Before credits & paid funds$35,310The complete starting cash picture.
Estimated remaining funds due at closing
$35,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,799.90
Your down payment$24,799.90
Closing costs + prepaids$10,509.69
Total buyer cash needed$35,309.60
Remaining funds due$35,309.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,689.00
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)$340.75
Prepaid interest, first (27 days)$1,254.94
Fees + prepaids$10,509.69
Your down payment is the seller’s equity. You take over the $244,100 balance, so the rest of the $268,900 price is paid at closing. A second mortgage can cover part of it. $35,309.60 is due at closing. Uses and sources reconcile at $279,409.69 each. Not a Closing Disclosure.