Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$29,109Cash toward the purchase price.
Closing costs + prepaids$12,031Not just lender fees.
Before credits & paid funds$41,140The complete starting cash picture.
Estimated remaining funds due at closing
$41,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,109.02
Your down payment$29,109.02
Closing costs + prepaids$12,031.37
Total buyer cash needed$41,140.39
Remaining funds due$41,140.39
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)$1,060.50
Initial HOA (3 months)$825.00
Prepaid interest, first (23 days)$1,071.87
Fees + prepaids$12,031.37
Your down payment is the seller’s equity. You take over the $255,791 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $41,140.39 is due at closing. Uses and sources reconcile at $296,931.37 each. Not a Closing Disclosure.