Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,425Cash toward the purchase price.
Closing costs + prepaids$9,695Not just lender fees.
Before credits & paid funds$37,121The complete starting cash picture.
Estimated remaining funds due at closing
$37,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,425.26
Your down payment$27,425.26
Closing costs + prepaids$9,695.35
Total buyer cash needed$37,120.61
Remaining funds due$37,120.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,839.00
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)$540.00
Prepaid interest, first (2 days)$91.35
Fees + prepaids$9,695.35
Your down payment is the seller’s equity. You take over the $256,475 balance, so the rest of the $283,900 price is paid at closing. A second mortgage can cover part of it. $37,120.61 is due at closing. Uses and sources reconcile at $293,595.35 each. Not a Closing Disclosure.