Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,289Cash toward the purchase price.
Closing costs + prepaids$9,025Not just lender fees.
Before credits & paid funds$36,314The complete starting cash picture.
Estimated remaining funds due at closing
$36,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,288.57
Your down payment$27,288.57
Closing costs + prepaids$9,025.34
Total buyer cash needed$36,313.92
Remaining funds due$36,313.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$189.50
Prepaid interest, first (1 days)$40.84
Fees + prepaids$9,025.34
Your down payment is the seller’s equity. You take over the $229,711 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $36,313.92 is due at closing. Uses and sources reconcile at $266,025.34 each. Not a Closing Disclosure.