Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$58,121Cash toward the purchase price.
Closing costs + prepaids$9,890Not just lender fees.
Before credits & paid funds$68,010The complete starting cash picture.
Estimated remaining funds due at closing
$68,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,120.61
Your down payment$58,120.61
Closing costs + prepaids$9,889.66
Total buyer cash needed$68,010.26
Remaining funds due$68,010.26
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)$726.50
Prepaid interest, first (5 days)$89.16
Fees + prepaids$9,889.66
Your down payment is the seller’s equity. You take over the $226,779 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $68,010.26 is due at closing. Uses and sources reconcile at $294,789.66 each. Not a Closing Disclosure.