Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,780Cash toward the purchase price.
Closing costs + prepaids$10,454Not just lender fees.
Before credits & paid funds$38,234The complete starting cash picture.
Estimated remaining funds due at closing
$38,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,779.57
Your down payment$27,779.57
Closing costs + prepaids$10,454.31
Total buyer cash needed$38,233.87
Remaining funds due$38,233.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$706.00
Prepaid interest, first (23 days)$953.31
Fees + prepaids$10,454.31
Your down payment is the seller’s equity. You take over the $229,220 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $38,233.87 is due at closing. Uses and sources reconcile at $267,454.31 each. Not a Closing Disclosure.