Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$32,917Cash toward the purchase price.
Closing costs + prepaids$13,130Not just lender fees.
Before credits & paid funds$46,047The complete starting cash picture.
Estimated remaining funds due at closing
$46,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,917.35
Your down payment$32,917.35
Closing costs + prepaids$13,129.94
Total buyer cash needed$46,047.29
Remaining funds due$46,047.29
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)$2,762.50
Prepaid interest, first (29 days)$1,243.44
Fees + prepaids$13,129.94
Your down payment is the seller’s equity. You take over the $256,983 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $46,047.29 is due at closing. Uses and sources reconcile at $303,029.94 each. Not a Closing Disclosure.