Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,724Cash toward the purchase price.
Closing costs + prepaids$9,471Not just lender fees.
Before credits & paid funds$26,194The complete starting cash picture.
Estimated remaining funds due at closing
$26,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,723.68
Your down payment$16,723.68
Closing costs + prepaids$9,470.51
Total buyer cash needed$26,194.18
Remaining funds due$26,194.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$348.75
Prepaid interest, first (1 days)$47.76
Fees + prepaids$9,470.51
Your down payment is the seller’s equity. You take over the $268,176 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $26,194.18 is due at closing. Uses and sources reconcile at $294,370.51 each. Not a Closing Disclosure.