Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,390Cash toward the purchase price.
Closing costs + prepaids$9,884Not just lender fees.
Before credits & paid funds$35,274The complete starting cash picture.
Estimated remaining funds due at closing
$35,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,390.18
Your down payment$25,390.18
Closing costs + prepaids$9,883.57
Total buyer cash needed$35,273.75
Remaining funds due$35,273.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,284.99
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)$401.50
Prepaid interest, first (27 days)$972.08
Fees + prepaids$9,883.57
Your down payment is the seller’s equity. You take over the $203,109 balance, so the rest of the $228,499 price is paid at closing. A second mortgage can cover part of it. $35,273.75 is due at closing. Uses and sources reconcile at $238,382.57 each. Not a Closing Disclosure.