Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$5,853Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$15,456The complete starting cash picture.
Estimated remaining funds due at closing
$15,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,853.34
Your down payment$5,853.34
Closing costs + prepaids$9,602.38
Total buyer cash needed$15,455.72
Remaining funds due$15,455.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$348.00
Prepaid interest, first (6 days)$129.38
Fees + prepaids$9,602.38
Your down payment is the seller’s equity. You take over the $284,147 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $15,455.72 is due at closing. Uses and sources reconcile at $299,602.38 each. Not a Closing Disclosure.