Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,110Cash toward the purchase price.
Closing costs + prepaids$12,533Not just lender fees.
Before credits & paid funds$29,643The complete starting cash picture.
Estimated remaining funds due at closing
$29,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,110.09
Your down payment$17,110.09
Closing costs + prepaids$12,532.80
Total buyer cash needed$29,642.89
Remaining funds due$29,642.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,600.00
Initial HOA (3 months)$345.00
Prepaid interest, first (23 days)$1,272.80
Fees + prepaids$12,532.80
Your down payment is the seller’s equity. You take over the $291,890 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $29,642.89 is due at closing. Uses and sources reconcile at $321,532.80 each. Not a Closing Disclosure.