Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,444Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$36,269The complete starting cash picture.
Estimated remaining funds due at closing
$36,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,444.25
Your down payment$25,444.25
Closing costs + prepaids$10,825.12
Total buyer cash needed$36,269.37
Remaining funds due$36,269.37
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)$1,644.25
Initial HOA (3 months)$90.00
Prepaid interest, first (2 days)$55.87
Fees + prepaids$10,825.12
Your down payment is the seller’s equity. You take over the $255,556 balance, so the rest of the $281,000 price is paid at closing. A second mortgage can cover part of it. $36,269.37 is due at closing. Uses and sources reconcile at $291,825.12 each. Not a Closing Disclosure.