Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,458Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$32,878The complete starting cash picture.
Estimated remaining funds due at closing
$32,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,458.22
Your down payment$21,458.22
Closing costs + prepaids$11,419.93
Total buyer cash needed$32,878.15
Remaining funds due$32,878.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,875.00
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)$1,178.50
Prepaid interest, first (30 days)$1,141.43
Fees + prepaids$11,419.93
Your down payment is the seller’s equity. You take over the $266,042 balance, so the rest of the $287,500 price is paid at closing. A second mortgage can cover part of it. $32,878.15 is due at closing. Uses and sources reconcile at $298,919.93 each. Not a Closing Disclosure.