Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$40,898Cash toward the purchase price.
Closing costs + prepaids$10,351Not just lender fees.
Before credits & paid funds$51,249The complete starting cash picture.
Estimated remaining funds due at closing
$51,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,897.85
Your down payment$40,897.85
Closing costs + prepaids$10,351.26
Total buyer cash needed$51,249.11
Remaining funds due$51,249.11
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)$192.50
Prepaid interest, first (28 days)$1,184.76
Fees + prepaids$10,351.26
Your down payment is the seller’s equity. You take over the $234,002 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $51,249.11 is due at closing. Uses and sources reconcile at $285,251.26 each. Not a Closing Disclosure.