Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,255Cash toward the purchase price.
Closing costs + prepaids$11,099Not just lender fees.
Before credits & paid funds$51,354The complete starting cash picture.
Estimated remaining funds due at closing
$51,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,255.14
Your down payment$40,255.14
Closing costs + prepaids$11,098.79
Total buyer cash needed$51,353.93
Remaining funds due$51,353.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$832.25
Initial HOA (3 months)$1,071.00
Prepaid interest, first (2 days)$71.54
Fees + prepaids$11,098.79
Your down payment is the seller’s equity. You take over the $249,645 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $51,353.93 is due at closing. Uses and sources reconcile at $300,998.79 each. Not a Closing Disclosure.