Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,741Cash toward the purchase price.
Closing costs + prepaids$9,904Not just lender fees.
Before credits & paid funds$18,645The complete starting cash picture.
Estimated remaining funds due at closing
$18,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,740.63
Your down payment$8,740.63
Closing costs + prepaids$9,903.93
Total buyer cash needed$18,644.56
Remaining funds due$18,644.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$663.50
Prepaid interest, first (2 days)$115.43
Fees + prepaids$9,903.93
Your down payment is the seller’s equity. You take over the $281,259 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $18,644.56 is due at closing. Uses and sources reconcile at $299,903.93 each. Not a Closing Disclosure.