Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,294Cash toward the purchase price.
Closing costs + prepaids$10,853Not just lender fees.
Before credits & paid funds$32,147The complete starting cash picture.
Estimated remaining funds due at closing
$32,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,294.07
Your down payment$21,294.07
Closing costs + prepaids$10,852.76
Total buyer cash needed$32,146.83
Remaining funds due$32,146.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$697.50
Prepaid interest, first (25 days)$1,140.26
Fees + prepaids$10,852.76
Your down payment is the seller’s equity. You take over the $257,706 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $32,146.83 is due at closing. Uses and sources reconcile at $289,852.76 each. Not a Closing Disclosure.