Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,258Cash toward the purchase price.
Closing costs + prepaids$9,968Not just lender fees.
Before credits & paid funds$33,226The complete starting cash picture.
Estimated remaining funds due at closing
$33,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,258.04
Your down payment$23,258.04
Closing costs + prepaids$9,968.45
Total buyer cash needed$33,226.49
Remaining funds due$33,226.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.90
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)$299.50
Initial HOA (3 months)$288.00
Prepaid interest, first (2 days)$106.05
Fees + prepaids$9,968.45
Your down payment is the seller’s equity. You take over the $281,732 balance, so the rest of the $304,990 price is paid at closing. A second mortgage can cover part of it. $33,226.49 is due at closing. Uses and sources reconcile at $314,958.45 each. Not a Closing Disclosure.