Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$22,524Cash toward the purchase price.
Closing costs + prepaids$10,260Not just lender fees.
Before credits & paid funds$32,784The complete starting cash picture.
Estimated remaining funds due at closing
$32,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,523.83
Your down payment$22,523.83
Closing costs + prepaids$10,259.84
Total buyer cash needed$32,783.67
Remaining funds due$32,783.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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 (17 days)$773.34
Fees + prepaids$10,259.84
Your down payment is the seller’s equity. You take over the $267,376 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $32,783.67 is due at closing. Uses and sources reconcile at $300,159.84 each. Not a Closing Disclosure.