Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,623Cash toward the purchase price.
Closing costs + prepaids$11,075Not just lender fees.
Before credits & paid funds$39,697The complete starting cash picture.
Estimated remaining funds due at closing
$39,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,622.51
Your down payment$28,622.51
Closing costs + prepaids$11,074.86
Total buyer cash needed$39,697.37
Remaining funds due$39,697.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$262.00
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$1,522.86
Fees + prepaids$11,074.86
Your down payment is the seller’s equity. You take over the $261,377 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $39,697.37 is due at closing. Uses and sources reconcile at $301,074.86 each. Not a Closing Disclosure.