Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$25,634Cash toward the purchase price.
Closing costs + prepaids$10,360Not just lender fees.
Before credits & paid funds$35,994The complete starting cash picture.
Estimated remaining funds due at closing
$35,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,634.42
Your down payment$25,634.42
Closing costs + prepaids$10,359.94
Total buyer cash needed$35,994.36
Remaining funds due$35,994.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$761.00
Prepaid interest, first (28 days)$1,074.94
Fees + prepaids$10,359.94
Your down payment is the seller’s equity. You take over the $204,266 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $35,994.36 is due at closing. Uses and sources reconcile at $240,259.94 each. Not a Closing Disclosure.