Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,513Cash toward the purchase price.
Closing costs + prepaids$10,042Not just lender fees.
Before credits & paid funds$31,556The complete starting cash picture.
Estimated remaining funds due at closing
$31,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,513.49
Your down payment$21,513.49
Closing costs + prepaids$10,042.06
Total buyer cash needed$31,555.55
Remaining funds due$31,555.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.90
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)$919.25
Initial HOA (3 months)$99.99
Prepaid interest, first (1 days)$47.92
Fees + prepaids$10,042.06
Your down payment is the seller’s equity. You take over the $253,477 balance, so the rest of the $274,990 price is paid at closing. A second mortgage can cover part of it. $31,555.55 is due at closing. Uses and sources reconcile at $285,032.06 each. Not a Closing Disclosure.