Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$28,581Cash toward the purchase price.
Closing costs + prepaids$9,916Not just lender fees.
Before credits & paid funds$38,496The complete starting cash picture.
Estimated remaining funds due at closing
$38,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,580.75
Your down payment$28,580.75
Closing costs + prepaids$9,915.63
Total buyer cash needed$38,496.38
Remaining funds due$38,496.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,795.00
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)$335.50
Prepaid interest, first (12 days)$560.13
Fees + prepaids$9,915.63
Your down payment is the seller’s equity. You take over the $250,919 balance, so the rest of the $279,500 price is paid at closing. A second mortgage can cover part of it. $38,496.38 is due at closing. Uses and sources reconcile at $289,415.63 each. Not a Closing Disclosure.