Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,607Cash toward the purchase price.
Closing costs + prepaids$12,062Not just lender fees.
Before credits & paid funds$41,669The complete starting cash picture.
Estimated remaining funds due at closing
$41,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,607.39
Your down payment$29,607.39
Closing costs + prepaids$12,062.07
Total buyer cash needed$41,669.46
Remaining funds due$41,669.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$980.50
Initial HOA (3 months)$825.00
Prepaid interest, first (22 days)$932.57
Fees + prepaids$12,062.07
Your down payment is the seller’s equity. You take over the $280,293 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $41,669.46 is due at closing. Uses and sources reconcile at $321,962.07 each. Not a Closing Disclosure.