Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,280Cash toward the purchase price.
Closing costs + prepaids$11,319Not just lender fees.
Before credits & paid funds$51,599The complete starting cash picture.
Estimated remaining funds due at closing
$51,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,280.41
Your down payment$40,280.41
Closing costs + prepaids$11,318.68
Total buyer cash needed$51,599.09
Remaining funds due$51,599.09
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)$765.25
Initial HOA (3 months)$573.00
Prepaid interest, first (25 days)$906.43
Fees + prepaids$11,318.68
Your down payment is the seller’s equity. You take over the $244,620 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $51,599.09 is due at closing. Uses and sources reconcile at $296,218.68 each. Not a Closing Disclosure.