Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$28,920Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$39,855The complete starting cash picture.
Estimated remaining funds due at closing
$39,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,920.22
Your down payment$28,920.22
Closing costs + prepaids$10,934.86
Total buyer cash needed$39,855.09
Remaining funds due$39,855.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.99
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)$725.00
Prepaid interest, first (29 days)$1,084.87
Fees + prepaids$10,934.86
Your down payment is the seller’s equity. You take over the $261,079 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $39,855.09 is due at closing. Uses and sources reconcile at $300,933.86 each. Not a Closing Disclosure.