Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,316Cash toward the purchase price.
Closing costs + prepaids$10,168Not just lender fees.
Before credits & paid funds$30,484The complete starting cash picture.
Estimated remaining funds due at closing
$30,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,316.07
Your down payment$20,316.07
Closing costs + prepaids$10,167.76
Total buyer cash needed$30,483.83
Remaining funds due$30,483.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$834.50
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$48.26
Fees + prepaids$10,167.76
Your down payment is the seller’s equity. You take over the $258,684 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $30,483.83 is due at closing. Uses and sources reconcile at $289,167.76 each. Not a Closing Disclosure.