Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,426Cash toward the purchase price.
Closing costs + prepaids$11,475Not just lender fees.
Before credits & paid funds$33,901The complete starting cash picture.
Estimated remaining funds due at closing
$33,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,425.91
Your down payment$22,425.91
Closing costs + prepaids$11,474.77
Total buyer cash needed$33,900.68
Remaining funds due$33,900.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$988.00
Prepaid interest, first (27 days)$1,361.77
Fees + prepaids$11,474.77
Your down payment is the seller’s equity. You take over the $267,574 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $33,900.68 is due at closing. Uses and sources reconcile at $301,474.77 each. Not a Closing Disclosure.