Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$22,562Cash toward the purchase price.
Closing costs + prepaids$10,153Not just lender fees.
Before credits & paid funds$32,716The complete starting cash picture.
Estimated remaining funds due at closing
$32,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,562.19
Your down payment$22,562.19
Closing costs + prepaids$10,153.31
Total buyer cash needed$32,715.50
Remaining funds due$32,715.50
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)$362.50
Prepaid interest, first (13 days)$665.81
Fees + prepaids$10,153.31
Your down payment is the seller’s equity. You take over the $267,438 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $32,715.50 is due at closing. Uses and sources reconcile at $300,153.31 each. Not a Closing Disclosure.