Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,518Cash toward the purchase price.
Closing costs + prepaids$11,184Not just lender fees.
Before credits & paid funds$39,702The complete starting cash picture.
Estimated remaining funds due at closing
$39,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,518.17
Your down payment$28,518.17
Closing costs + prepaids$11,184.16
Total buyer cash needed$39,702.33
Remaining funds due$39,702.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.90
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)$215.25
Initial HOA (3 months)$345.00
Prepaid interest, first (30 days)$1,399.01
Fees + prepaids$11,184.16
Your down payment is the seller’s equity. You take over the $271,472 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $39,702.33 is due at closing. Uses and sources reconcile at $311,174.16 each. Not a Closing Disclosure.