Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,814Cash toward the purchase price.
Closing costs + prepaids$10,495Not just lender fees.
Before credits & paid funds$40,309The complete starting cash picture.
Estimated remaining funds due at closing
$40,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,813.51
Your down payment$29,813.51
Closing costs + prepaids$10,495.23
Total buyer cash needed$40,308.75
Remaining funds due$40,308.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$976.50
Initial HOA (3 months)$65.49
Prepaid interest, first (27 days)$529.24
Fees + prepaids$10,495.23
Your down payment is the seller’s equity. You take over the $240,086 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $40,308.75 is due at closing. Uses and sources reconcile at $280,395.23 each. Not a Closing Disclosure.