Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,515Cash toward the purchase price.
Closing costs + prepaids$10,469Not just lender fees.
Before credits & paid funds$38,984The complete starting cash picture.
Estimated remaining funds due at closing
$38,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,515.50
Your down payment$28,515.50
Closing costs + prepaids$10,468.62
Total buyer cash needed$38,984.12
Remaining funds due$38,984.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$794.25
Prepaid interest, first (30 days)$1,150.37
Fees + prepaids$10,468.62
Your down payment is the seller’s equity. You take over the $201,385 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $38,984.12 is due at closing. Uses and sources reconcile at $240,368.62 each. Not a Closing Disclosure.