Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,327Cash toward the purchase price.
Closing costs + prepaids$10,256Not just lender fees.
Before credits & paid funds$49,583The complete starting cash picture.
Estimated remaining funds due at closing
$49,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,326.80
Your down payment$39,326.80
Closing costs + prepaids$10,256.00
Total buyer cash needed$49,582.80
Remaining funds due$49,582.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$323.75
Prepaid interest, first (26 days)$908.25
Fees + prepaids$10,256.00
Your down payment is the seller’s equity. You take over the $240,573 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $49,582.80 is due at closing. Uses and sources reconcile at $290,156.00 each. Not a Closing Disclosure.