Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,799Cash toward the purchase price.
Closing costs + prepaids$10,271Not just lender fees.
Before credits & paid funds$46,070The complete starting cash picture.
Estimated remaining funds due at closing
$46,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,799.45
Your down payment$35,799.45
Closing costs + prepaids$10,270.77
Total buyer cash needed$46,070.22
Remaining funds due$46,070.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,739.00
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)$702.00
Initial HOA (3 months)$524.01
Prepaid interest, first (2 days)$80.76
Fees + prepaids$10,270.77
Your down payment is the seller’s equity. You take over the $238,101 balance, so the rest of the $273,900 price is paid at closing. A second mortgage can cover part of it. $46,070.22 is due at closing. Uses and sources reconcile at $284,170.77 each. Not a Closing Disclosure.