Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$28,596Cash toward the purchase price.
Closing costs + prepaids$10,192Not just lender fees.
Before credits & paid funds$38,788The complete starting cash picture.
Estimated remaining funds due at closing
$38,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,596.29
Your down payment$28,596.29
Closing costs + prepaids$10,191.52
Total buyer cash needed$38,787.81
Remaining funds due$38,787.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,794.00
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)$77.50
Prepaid interest, first (24 days)$1,095.02
Fees + prepaids$10,191.52
Your down payment is the seller’s equity. You take over the $250,804 balance, so the rest of the $279,400 price is paid at closing. A second mortgage can cover part of it. $38,787.81 is due at closing. Uses and sources reconcile at $289,591.52 each. Not a Closing Disclosure.