Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$38,654Cash toward the purchase price.
Closing costs + prepaids$12,456Not just lender fees.
Before credits & paid funds$51,109The complete starting cash picture.
Estimated remaining funds due at closing
$51,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,653.59
Your down payment$38,653.59
Closing costs + prepaids$12,455.83
Total buyer cash needed$51,109.42
Remaining funds due$51,109.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.50
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)$2,125.75
Prepaid interest, first (29 days)$1,305.58
Fees + prepaids$12,455.83
Your down payment is the seller’s equity. You take over the $241,296 balance, so the rest of the $279,950 price is paid at closing. A second mortgage can cover part of it. $51,109.42 is due at closing. Uses and sources reconcile at $292,405.83 each. Not a Closing Disclosure.