Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,535Cash toward the purchase price.
Closing costs + prepaids$10,158Not just lender fees.
Before credits & paid funds$33,693The complete starting cash picture.
Estimated remaining funds due at closing
$33,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,534.83
Your down payment$23,534.83
Closing costs + prepaids$10,157.88
Total buyer cash needed$33,692.72
Remaining funds due$33,692.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,883.50
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)$968.25
Initial HOA (3 months)$45.00
Prepaid interest, first (1 days)$36.13
Fees + prepaids$10,157.88
Your down payment is the seller’s equity. You take over the $264,815 balance, so the rest of the $288,350 price is paid at closing. A second mortgage can cover part of it. $33,692.72 is due at closing. Uses and sources reconcile at $298,507.88 each. Not a Closing Disclosure.