Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,543Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$38,963The complete starting cash picture.
Estimated remaining funds due at closing
$38,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,542.80
Your down payment$27,542.80
Closing costs + prepaids$11,420.00
Total buyer cash needed$38,962.79
Remaining funds due$38,962.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,745.00
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)$1,174.75
Prepaid interest, first (31 days)$1,275.25
Fees + prepaids$11,420.00
Your down payment is the seller’s equity. You take over the $246,957 balance, so the rest of the $274,500 price is paid at closing. A second mortgage can cover part of it. $38,962.79 is due at closing. Uses and sources reconcile at $285,920.00 each. Not a Closing Disclosure.