Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,307Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$37,131The complete starting cash picture.
Estimated remaining funds due at closing
$37,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,306.69
Your down payment$26,306.69
Closing costs + prepaids$10,823.97
Total buyer cash needed$37,130.66
Remaining funds due$37,130.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,555.00
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)$723.25
Prepaid interest, first (27 days)$1,320.72
Fees + prepaids$10,823.97
Your down payment is the seller’s equity. You take over the $229,193 balance, so the rest of the $255,500 price is paid at closing. A second mortgage can cover part of it. $37,130.66 is due at closing. Uses and sources reconcile at $266,323.97 each. Not a Closing Disclosure.