Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,256Cash toward the purchase price.
Closing costs + prepaids$11,774Not just lender fees.
Before credits & paid funds$44,030The complete starting cash picture.
Estimated remaining funds due at closing
$44,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,256.13
Your down payment$32,256.13
Closing costs + prepaids$11,773.74
Total buyer cash needed$44,029.87
Remaining funds due$44,029.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$1,472.25
Initial HOA (3 months)$675.00
Prepaid interest, first (26 days)$552.49
Fees + prepaids$11,773.74
Your down payment is the seller’s equity. You take over the $252,644 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $44,029.87 is due at closing. Uses and sources reconcile at $296,673.74 each. Not a Closing Disclosure.