Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$16,821Cash toward the purchase price.
Closing costs + prepaids$11,371Not just lender fees.
Before credits & paid funds$28,192The complete starting cash picture.
Estimated remaining funds due at closing
$28,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,820.82
Your down payment$16,820.82
Closing costs + prepaids$11,370.79
Total buyer cash needed$28,191.61
Remaining funds due$28,191.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,600.00
Initial HOA (3 months)$345.00
Prepaid interest, first (2 days)$110.79
Fees + prepaids$11,370.79
Your down payment is the seller’s equity. You take over the $292,179 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $28,191.61 is due at closing. Uses and sources reconcile at $320,370.79 each. Not a Closing Disclosure.