Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,442Cash toward the purchase price.
Closing costs + prepaids$11,907Not just lender fees.
Before credits & paid funds$44,349The complete starting cash picture.
Estimated remaining funds due at closing
$44,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,442.30
Your down payment$32,442.30
Closing costs + prepaids$11,907.02
Total buyer cash needed$44,349.32
Remaining funds due$44,349.32
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)$848.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (24 days)$884.02
Fees + prepaids$11,907.02
Your down payment is the seller’s equity. You take over the $257,558 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $44,349.32 is due at closing. Uses and sources reconcile at $301,907.02 each. Not a Closing Disclosure.