Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$28,606Cash toward the purchase price.
Closing costs + prepaids$10,372Not just lender fees.
Before credits & paid funds$38,978The complete starting cash picture.
Estimated remaining funds due at closing
$38,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,606.07
Your down payment$28,606.07
Closing costs + prepaids$10,372.05
Total buyer cash needed$38,978.11
Remaining funds due$38,978.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,275.00
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)$393.00
Prepaid interest, first (9 days)$479.05
Fees + prepaids$10,372.05
Your down payment is the seller’s equity. You take over the $298,894 balance, so the rest of the $327,500 price is paid at closing. A second mortgage can cover part of it. $38,978.11 is due at closing. Uses and sources reconcile at $337,872.05 each. Not a Closing Disclosure.