Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,386Cash toward the purchase price.
Closing costs + prepaids$10,467Not just lender fees.
Before credits & paid funds$53,853The complete starting cash picture.
Estimated remaining funds due at closing
$53,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,386.45
Your down payment$43,386.45
Closing costs + prepaids$10,466.81
Total buyer cash needed$53,853.26
Remaining funds due$53,853.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$306.00
Prepaid interest, first (27 days)$1,186.81
Fees + prepaids$10,466.81
Your down payment is the seller’s equity. You take over the $231,514 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $53,853.26 is due at closing. Uses and sources reconcile at $285,366.81 each. Not a Closing Disclosure.