Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$15,440Cash toward the purchase price.
Closing costs + prepaids$10,561Not just lender fees.
Before credits & paid funds$26,001The complete starting cash picture.
Estimated remaining funds due at closing
$26,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,439.67
Your down payment$15,439.67
Closing costs + prepaids$10,561.34
Total buyer cash needed$26,001.01
Remaining funds due$26,001.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,985.00
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)$166.75
Prepaid interest, first (25 days)$1,184.59
Fees + prepaids$10,561.34
Your down payment is the seller’s equity. You take over the $283,060 balance, so the rest of the $298,500 price is paid at closing. A second mortgage can cover part of it. $26,001.01 is due at closing. Uses and sources reconcile at $309,061.34 each. Not a Closing Disclosure.