Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,611Cash toward the purchase price.
Closing costs + prepaids$12,533Not just lender fees.
Before credits & paid funds$35,145The complete starting cash picture.
Estimated remaining funds due at closing
$35,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,611.47
Your down payment$22,611.47
Closing costs + prepaids$12,533.30
Total buyer cash needed$35,144.78
Remaining funds due$35,144.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$1,206.00
Initial HOA (3 months)$765.00
Prepaid interest, first (30 days)$1,437.30
Fees + prepaids$12,533.30
Your down payment is the seller’s equity. You take over the $267,389 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $35,144.78 is due at closing. Uses and sources reconcile at $302,533.30 each. Not a Closing Disclosure.