Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,191Cash toward the purchase price.
Closing costs + prepaids$11,750Not just lender fees.
Before credits & paid funds$45,941The complete starting cash picture.
Estimated remaining funds due at closing
$45,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,191.24
Your down payment$34,191.24
Closing costs + prepaids$11,749.98
Total buyer cash needed$45,941.22
Remaining funds due$45,941.22
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)$1,181.75
Prepaid interest, first (31 days)$1,444.23
Fees + prepaids$11,749.98
Your down payment is the seller’s equity. You take over the $255,709 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $45,941.22 is due at closing. Uses and sources reconcile at $301,649.98 each. Not a Closing Disclosure.