Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,316Cash toward the purchase price.
Closing costs + prepaids$9,958Not just lender fees.
Before credits & paid funds$28,274The complete starting cash picture.
Estimated remaining funds due at closing
$28,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,316.22
Your down payment$18,316.22
Closing costs + prepaids$9,957.50
Total buyer cash needed$28,273.73
Remaining funds due$28,273.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.95
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)$644.50
Prepaid interest, first (22 days)$638.05
Fees + prepaids$9,957.50
Your down payment is the seller’s equity. You take over the $226,679 balance, so the rest of the $244,995 price is paid at closing. A second mortgage can cover part of it. $28,273.73 is due at closing. Uses and sources reconcile at $254,952.50 each. Not a Closing Disclosure.