Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,545Cash toward the purchase price.
Closing costs + prepaids$11,615Not just lender fees.
Before credits & paid funds$37,160The complete starting cash picture.
Estimated remaining funds due at closing
$37,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,544.62
Your down payment$25,544.62
Closing costs + prepaids$11,615.24
Total buyer cash needed$37,159.86
Remaining funds due$37,159.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,973.25
Prepaid interest, first (24 days)$517.99
Fees + prepaids$11,615.24
Your down payment is the seller’s equity. You take over the $264,355 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $37,159.86 is due at closing. Uses and sources reconcile at $301,515.24 each. Not a Closing Disclosure.