Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$27,467Cash toward the purchase price.
Closing costs + prepaids$10,008Not just lender fees.
Before credits & paid funds$37,474The complete starting cash picture.
Estimated remaining funds due at closing
$37,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,466.65
Your down payment$27,466.65
Closing costs + prepaids$10,007.75
Total buyer cash needed$37,474.39
Remaining funds due$37,474.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$346.75
Prepaid interest, first (12 days)$546.00
Fees + prepaids$10,007.75
Your down payment is the seller’s equity. You take over the $261,533 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $37,474.39 is due at closing. Uses and sources reconcile at $299,007.75 each. Not a Closing Disclosure.