Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,067Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$52,579The complete starting cash picture.
Estimated remaining funds due at closing
$52,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,066.99
Your down payment$42,066.99
Closing costs + prepaids$10,512.24
Total buyer cash needed$52,579.23
Remaining funds due$52,579.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,795.00
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)$596.50
Prepaid interest, first (27 days)$895.74
Fees + prepaids$10,512.24
Your down payment is the seller’s equity. You take over the $237,433 balance, so the rest of the $279,500 price is paid at closing. A second mortgage can cover part of it. $52,579.23 is due at closing. Uses and sources reconcile at $290,012.24 each. Not a Closing Disclosure.