Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$33,958Cash toward the purchase price.
Closing costs + prepaids$9,543Not just lender fees.
Before credits & paid funds$43,501The complete starting cash picture.
Estimated remaining funds due at closing
$43,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,957.61
Your down payment$33,957.61
Closing costs + prepaids$9,543.28
Total buyer cash needed$43,500.90
Remaining funds due$43,500.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,810.00
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)$337.25
Prepaid interest, first (7 days)$171.03
Fees + prepaids$9,543.28
Your down payment is the seller’s equity. You take over the $247,042 balance, so the rest of the $281,000 price is paid at closing. A second mortgage can cover part of it. $43,500.90 is due at closing. Uses and sources reconcile at $290,543.28 each. Not a Closing Disclosure.