Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$47,697Cash toward the purchase price.
Closing costs + prepaids$10,984Not just lender fees.
Before credits & paid funds$58,681The complete starting cash picture.
Estimated remaining funds due at closing
$58,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,696.88
Your down payment$47,696.88
Closing costs + prepaids$10,984.25
Total buyer cash needed$58,681.13
Remaining funds due$58,681.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$750.25
Prepaid interest, first (30 days)$1,210.00
Fees + prepaids$10,984.25
Your down payment is the seller’s equity. You take over the $232,203 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $58,681.13 is due at closing. Uses and sources reconcile at $290,884.25 each. Not a Closing Disclosure.