Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$17,550Cash toward the purchase price.
Closing costs + prepaids$10,808Not just lender fees.
Before credits & paid funds$28,358The complete starting cash picture.
Estimated remaining funds due at closing
$28,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,550.48
Your down payment$17,550.48
Closing costs + prepaids$10,807.82
Total buyer cash needed$28,358.29
Remaining funds due$28,358.29
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)$862.00
Prepaid interest, first (25 days)$921.82
Fees + prepaids$10,807.82
Your down payment is the seller’s equity. You take over the $262,350 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $28,358.29 is due at closing. Uses and sources reconcile at $290,707.82 each. Not a Closing Disclosure.