Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$29,209Cash toward the purchase price.
Closing costs + prepaids$11,056Not just lender fees.
Before credits & paid funds$40,265The complete starting cash picture.
Estimated remaining funds due at closing
$40,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,208.82
Your down payment$29,208.82
Closing costs + prepaids$11,055.71
Total buyer cash needed$40,264.53
Remaining funds due$40,264.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,845.00
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)$783.50
Initial HOA (3 months)$600.00
Prepaid interest, first (30 days)$602.21
Fees + prepaids$11,055.71
Your down payment is the seller’s equity. You take over the $255,291 balance, so the rest of the $284,500 price is paid at closing. A second mortgage can cover part of it. $40,264.53 is due at closing. Uses and sources reconcile at $295,555.71 each. Not a Closing Disclosure.