Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$39,236Cash toward the purchase price.
Closing costs + prepaids$10,205Not just lender fees.
Before credits & paid funds$49,441The complete starting cash picture.
Estimated remaining funds due at closing
$49,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,236.10
Your down payment$39,236.10
Closing costs + prepaids$10,204.72
Total buyer cash needed$49,440.82
Remaining funds due$49,440.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,928.00
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)$282.00
Prepaid interest, first (20 days)$769.72
Fees + prepaids$10,204.72
Your down payment is the seller’s equity. You take over the $253,564 balance, so the rest of the $292,800 price is paid at closing. A second mortgage can cover part of it. $49,440.82 is due at closing. Uses and sources reconcile at $303,004.72 each. Not a Closing Disclosure.