Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,168Cash toward the purchase price.
Closing costs + prepaids$11,195Not just lender fees.
Before credits & paid funds$39,362The complete starting cash picture.
Estimated remaining funds due at closing
$39,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,167.60
Your down payment$28,167.60
Closing costs + prepaids$11,194.62
Total buyer cash needed$39,362.23
Remaining funds due$39,362.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,338.50
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)$940.00
Initial HOA (3 months)$633.00
Prepaid interest, first (1 days)$58.12
Fees + prepaids$11,194.62
Your down payment is the seller’s equity. You take over the $305,682 balance, so the rest of the $333,850 price is paid at closing. A second mortgage can cover part of it. $39,362.23 is due at closing. Uses and sources reconcile at $345,044.62 each. Not a Closing Disclosure.