Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,474Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$58,429The complete starting cash picture.
Estimated remaining funds due at closing
$58,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,473.57
Your down payment$46,473.57
Closing costs + prepaids$11,955.27
Total buyer cash needed$58,428.84
Remaining funds due$58,428.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$1,605.50
Prepaid interest, first (27 days)$1,334.77
Fees + prepaids$11,955.27
Your down payment is the seller’s equity. You take over the $232,526 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $58,428.84 is due at closing. Uses and sources reconcile at $290,955.27 each. Not a Closing Disclosure.