Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$29,864Cash toward the purchase price.
Closing costs + prepaids$10,604Not just lender fees.
Before credits & paid funds$40,468The complete starting cash picture.
Estimated remaining funds due at closing
$40,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,864.24
Your down payment$29,864.24
Closing costs + prepaids$10,604.14
Total buyer cash needed$40,468.38
Remaining funds due$40,468.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,840.00
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)$470.50
Initial HOA (3 months)$50.01
Prepaid interest, first (22 days)$1,018.63
Fees + prepaids$10,604.14
Your down payment is the seller’s equity. You take over the $254,136 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $40,468.38 is due at closing. Uses and sources reconcile at $294,604.14 each. Not a Closing Disclosure.