Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$30,550Cash toward the purchase price.
Closing costs + prepaids$10,083Not just lender fees.
Before credits & paid funds$40,633The complete starting cash picture.
Estimated remaining funds due at closing
$40,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,550.28
Your down payment$30,550.28
Closing costs + prepaids$10,082.85
Total buyer cash needed$40,633.14
Remaining funds due$40,633.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,885.00
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)$735.75
Prepaid interest, first (5 days)$237.10
Fees + prepaids$10,082.85
Your down payment is the seller’s equity. You take over the $257,950 balance, so the rest of the $288,500 price is paid at closing. A second mortgage can cover part of it. $40,633.14 is due at closing. Uses and sources reconcile at $298,582.85 each. Not a Closing Disclosure.