Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,097Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$38,725The complete starting cash picture.
Estimated remaining funds due at closing
$38,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,096.94
Your down payment$28,096.94
Closing costs + prepaids$10,628.32
Total buyer cash needed$38,725.26
Remaining funds due$38,725.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$772.00
Prepaid interest, first (31 days)$1,241.32
Fees + prepaids$10,628.32
Your down payment is the seller’s equity. You take over the $210,903 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $38,725.26 is due at closing. Uses and sources reconcile at $249,628.32 each. Not a Closing Disclosure.