Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$9,092Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$20,632The complete starting cash picture.
Estimated remaining funds due at closing
$20,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,091.78
Your down payment$9,091.78
Closing costs + prepaids$11,540.45
Total buyer cash needed$20,632.23
Remaining funds due$20,632.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$1,110.25
Prepaid interest, first (27 days)$1,355.20
Fees + prepaids$11,540.45
Your down payment is the seller’s equity. You take over the $275,908 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $20,632.23 is due at closing. Uses and sources reconcile at $296,540.45 each. Not a Closing Disclosure.