Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$28,954Cash toward the purchase price.
Closing costs + prepaids$22,092Not just lender fees.
Before credits & paid funds$51,045The complete starting cash picture.
Estimated remaining funds due at closing
$51,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,953.57
Your down payment$28,953.57
Closing costs + prepaids$22,091.64
Total buyer cash needed$51,045.21
Remaining funds due$51,045.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,497.50
Prepaid interest, first (24 days)$2,379.14
Fees + prepaids$22,091.64
Your down payment is the seller’s equity. You take over the $970,046 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $51,045.21 is due at closing. Uses and sources reconcile at $1,021,091.64 each. Not a Closing Disclosure.