Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,781Cash toward the purchase price.
Closing costs + prepaids$10,747Not just lender fees.
Before credits & paid funds$43,528The complete starting cash picture.
Estimated remaining funds due at closing
$43,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,780.99
Your down payment$32,780.99
Closing costs + prepaids$10,747.50
Total buyer cash needed$43,528.49
Remaining funds due$43,528.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$724.75
Initial HOA (3 months)$840.00
Prepaid interest, first (2 days)$58.75
Fees + prepaids$10,747.50
Your down payment is the seller’s equity. You take over the $257,119 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $43,528.49 is due at closing. Uses and sources reconcile at $300,647.50 each. Not a Closing Disclosure.