Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,941Cash toward the purchase price.
Closing costs + prepaids$11,191Not just lender fees.
Before credits & paid funds$36,132The complete starting cash picture.
Estimated remaining funds due at closing
$36,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,941.21
Your down payment$24,941.21
Closing costs + prepaids$11,190.54
Total buyer cash needed$36,131.75
Remaining funds due$36,131.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,840.00
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)$991.00
Prepaid interest, first (23 days)$1,134.54
Fees + prepaids$11,190.54
Your down payment is the seller’s equity. You take over the $259,059 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $36,131.75 is due at closing. Uses and sources reconcile at $295,190.54 each. Not a Closing Disclosure.