Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,880Cash toward the purchase price.
Closing costs + prepaids$12,263Not just lender fees.
Before credits & paid funds$39,143The complete starting cash picture.
Estimated remaining funds due at closing
$39,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,879.99
Your down payment$26,879.99
Closing costs + prepaids$12,263.30
Total buyer cash needed$39,143.28
Remaining funds due$39,143.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.00
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)$1,173.00
Prepaid interest, first (30 days)$1,576.30
Fees + prepaids$12,263.30
Your down payment is the seller’s equity. You take over the $302,020 balance, so the rest of the $328,900 price is paid at closing. A second mortgage can cover part of it. $39,143.28 is due at closing. Uses and sources reconcile at $341,163.30 each. Not a Closing Disclosure.