Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$5,645Cash toward the purchase price.
Closing costs + prepaids$9,389Not just lender fees.
Before credits & paid funds$15,034The complete starting cash picture.
Estimated remaining funds due at closing
$15,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,644.60
Your down payment$5,644.60
Closing costs + prepaids$9,389.36
Total buyer cash needed$15,033.96
Remaining funds due$15,033.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$372.00
Prepaid interest, first (2 days)$42.36
Fees + prepaids$9,389.36
Your down payment is the seller’s equity. You take over the $269,355 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $15,033.96 is due at closing. Uses and sources reconcile at $284,389.36 each. Not a Closing Disclosure.