Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,412Cash toward the purchase price.
Closing costs + prepaids$11,427Not just lender fees.
Before credits & paid funds$39,839The complete starting cash picture.
Estimated remaining funds due at closing
$39,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,412.43
Your down payment$28,412.43
Closing costs + prepaids$11,426.92
Total buyer cash needed$39,839.35
Remaining funds due$39,839.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,457.00
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)$1,576.75
Prepaid interest, first (31 days)$1,168.17
Fees + prepaids$11,426.92
Your down payment is the seller’s equity. You take over the $217,288 balance, so the rest of the $245,700 price is paid at closing. A second mortgage can cover part of it. $39,839.35 is due at closing. Uses and sources reconcile at $257,126.92 each. Not a Closing Disclosure.