Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$10,435Cash toward the purchase price.
Closing costs + prepaids$11,042Not just lender fees.
Before credits & paid funds$21,476The complete starting cash picture.
Estimated remaining funds due at closing
$21,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,434.53
Your down payment$10,434.53
Closing costs + prepaids$11,041.57
Total buyer cash needed$21,476.10
Remaining funds due$21,476.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,730.00
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)$597.50
Prepaid interest, first (30 days)$1,489.07
Fees + prepaids$11,041.57
Your down payment is the seller’s equity. You take over the $262,565 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $21,476.10 is due at closing. Uses and sources reconcile at $284,041.57 each. Not a Closing Disclosure.