Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,999Cash toward the purchase price.
Closing costs + prepaids$9,535Not just lender fees.
Before credits & paid funds$35,534The complete starting cash picture.
Estimated remaining funds due at closing
$35,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,999.30
Your down payment$25,999.30
Closing costs + prepaids$9,535.04
Total buyer cash needed$35,534.34
Remaining funds due$35,534.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$716.50
Prepaid interest, first (1 days)$43.54
Fees + prepaids$9,535.04
Your down payment is the seller’s equity. You take over the $229,001 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $35,534.34 is due at closing. Uses and sources reconcile at $264,535.04 each. Not a Closing Disclosure.