Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$8,534Cash toward the purchase price.
Closing costs + prepaids$9,640Not just lender fees.
Before credits & paid funds$18,175The complete starting cash picture.
Estimated remaining funds due at closing
$18,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,534.45
Your down payment$8,534.45
Closing costs + prepaids$9,640.22
Total buyer cash needed$18,174.68
Remaining funds due$18,174.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$334.75
Prepaid interest, first (10 days)$290.47
Fees + prepaids$9,640.22
Your down payment is the seller’s equity. You take over the $270,466 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $18,174.68 is due at closing. Uses and sources reconcile at $288,640.22 each. Not a Closing Disclosure.