Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$45,287Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$56,509The complete starting cash picture.
Estimated remaining funds due at closing
$56,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,286.84
Your down payment$45,286.84
Closing costs + prepaids$11,222.13
Total buyer cash needed$56,508.96
Remaining funds due$56,508.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,904.00
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)$2,026.50
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$41.64
Fees + prepaids$11,222.13
Your down payment is the seller’s equity. You take over the $245,113 balance, so the rest of the $290,400 price is paid at closing. A second mortgage can cover part of it. $56,508.96 is due at closing. Uses and sources reconcile at $301,622.13 each. Not a Closing Disclosure.