Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,572Cash toward the purchase price.
Closing costs + prepaids$10,513Not just lender fees.
Before credits & paid funds$39,085The complete starting cash picture.
Estimated remaining funds due at closing
$39,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,572.21
Your down payment$28,572.21
Closing costs + prepaids$10,512.71
Total buyer cash needed$39,084.93
Remaining funds due$39,084.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$622.50
Prepaid interest, first (28 days)$1,175.21
Fees + prepaids$10,512.71
Your down payment is the seller’s equity. You take over the $220,428 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $39,084.93 is due at closing. Uses and sources reconcile at $259,512.71 each. Not a Closing Disclosure.