Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,460Cash toward the purchase price.
Closing costs + prepaids$11,509Not just lender fees.
Before credits & paid funds$41,970The complete starting cash picture.
Estimated remaining funds due at closing
$41,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,460.13
Your down payment$30,460.13
Closing costs + prepaids$11,509.39
Total buyer cash needed$41,969.52
Remaining funds due$41,969.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,880.00
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)$1,022.00
Prepaid interest, first (31 days)$1,382.39
Fees + prepaids$11,509.39
Your down payment is the seller’s equity. You take over the $257,540 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $41,969.52 is due at closing. Uses and sources reconcile at $299,509.39 each. Not a Closing Disclosure.