Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,316Cash toward the purchase price.
Closing costs + prepaids$9,834Not just lender fees.
Before credits & paid funds$35,150The complete starting cash picture.
Estimated remaining funds due at closing
$35,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,316.12
Your down payment$25,316.12
Closing costs + prepaids$9,833.73
Total buyer cash needed$35,149.86
Remaining funds due$35,149.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$766.00
Prepaid interest, first (1 days)$43.73
Fees + prepaids$9,833.73
Your down payment is the seller’s equity. You take over the $254,584 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $35,149.86 is due at closing. Uses and sources reconcile at $289,733.73 each. Not a Closing Disclosure.