Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$5,720Cash toward the purchase price.
Closing costs + prepaids$10,497Not just lender fees.
Before credits & paid funds$16,218The complete starting cash picture.
Estimated remaining funds due at closing
$16,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,720.30
Your down payment$5,720.30
Closing costs + prepaids$10,497.29
Total buyer cash needed$16,217.59
Remaining funds due$16,217.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$362.75
Prepaid interest, first (22 days)$1,110.54
Fees + prepaids$10,497.29
Your down payment is the seller’s equity. You take over the $274,180 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $16,217.59 is due at closing. Uses and sources reconcile at $290,397.29 each. Not a Closing Disclosure.