Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,286Cash toward the purchase price.
Closing costs + prepaids$10,715Not just lender fees.
Before credits & paid funds$32,001The complete starting cash picture.
Estimated remaining funds due at closing
$32,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,285.67
Your down payment$21,285.67
Closing costs + prepaids$10,715.10
Total buyer cash needed$32,000.77
Remaining funds due$32,000.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$1,582.50
Initial HOA (3 months)$60.00
Prepaid interest, first (1 days)$47.70
Fees + prepaids$10,715.10
Your down payment is the seller’s equity. You take over the $258,704 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $32,000.77 is due at closing. Uses and sources reconcile at $290,705.10 each. Not a Closing Disclosure.