Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,710Cash toward the purchase price.
Closing costs + prepaids$10,262Not just lender fees.
Before credits & paid funds$23,973The complete starting cash picture.
Estimated remaining funds due at closing
$23,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,710.24
Your down payment$13,710.24
Closing costs + prepaids$10,262.48
Total buyer cash needed$23,972.72
Remaining funds due$23,972.72
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)$172.50
Prepaid interest, first (31 days)$974.98
Fees + prepaids$10,262.48
Your down payment is the seller’s equity. You take over the $275,290 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $23,972.72 is due at closing. Uses and sources reconcile at $299,262.48 each. Not a Closing Disclosure.