Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,265Cash toward the purchase price.
Closing costs + prepaids$10,901Not just lender fees.
Before credits & paid funds$28,166The complete starting cash picture.
Estimated remaining funds due at closing
$28,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,265.00
Your down payment$17,265.00
Closing costs + prepaids$10,900.78
Total buyer cash needed$28,165.78
Remaining funds due$28,165.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,154.75
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$101.03
Fees + prepaids$10,900.78
Your down payment is the seller’s equity. You take over the $291,735 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $28,165.78 is due at closing. Uses and sources reconcile at $319,900.78 each. Not a Closing Disclosure.