Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,531Cash toward the purchase price.
Closing costs + prepaids$9,584Not just lender fees.
Before credits & paid funds$37,115The complete starting cash picture.
Estimated remaining funds due at closing
$37,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,530.99
Your down payment$27,530.99
Closing costs + prepaids$9,583.99
Total buyer cash needed$37,114.98
Remaining funds due$37,114.98
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)$706.00
Prepaid interest, first (2 days)$82.99
Fees + prepaids$9,583.99
Your down payment is the seller’s equity. You take over the $229,469 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $37,114.98 is due at closing. Uses and sources reconcile at $266,583.99 each. Not a Closing Disclosure.