Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,146Cash toward the purchase price.
Closing costs + prepaids$13,338Not just lender fees.
Before credits & paid funds$49,484The complete starting cash picture.
Estimated remaining funds due at closing
$49,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,145.82
Your down payment$36,145.82
Closing costs + prepaids$13,337.99
Total buyer cash needed$49,483.81
Remaining funds due$49,483.81
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)$516.25
Initial HOA (3 months)$2,355.00
Prepaid interest, first (28 days)$1,341.74
Fees + prepaids$13,337.99
Your down payment is the seller’s equity. You take over the $253,854 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $49,483.81 is due at closing. Uses and sources reconcile at $303,337.99 each. Not a Closing Disclosure.