Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$21,950Cash toward the purchase price.
Closing costs + prepaids$12,068Not just lender fees.
Before credits & paid funds$34,017The complete starting cash picture.
Estimated remaining funds due at closing
$34,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,949.66
Your down payment$21,949.66
Closing costs + prepaids$12,067.72
Total buyer cash needed$34,017.38
Remaining funds due$34,017.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$960.25
Initial HOA (3 months)$660.00
Prepaid interest, first (29 days)$1,332.47
Fees + prepaids$12,067.72
Your down payment is the seller’s equity. You take over the $267,050 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $34,017.38 is due at closing. Uses and sources reconcile at $301,067.72 each. Not a Closing Disclosure.