Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,679Cash toward the purchase price.
Closing costs + prepaids$10,664Not just lender fees.
Before credits & paid funds$41,343The complete starting cash picture.
Estimated remaining funds due at closing
$41,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,679.48
Your down payment$30,679.48
Closing costs + prepaids$10,663.73
Total buyer cash needed$41,343.21
Remaining funds due$41,343.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,780.00
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)$402.75
Prepaid interest, first (28 days)$1,255.98
Fees + prepaids$10,663.73
Your down payment is the seller’s equity. You take over the $247,321 balance, so the rest of the $278,000 price is paid at closing. A second mortgage can cover part of it. $41,343.21 is due at closing. Uses and sources reconcile at $288,663.73 each. Not a Closing Disclosure.