Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,093Cash toward the purchase price.
Closing costs + prepaids$10,925Not just lender fees.
Before credits & paid funds$44,018The complete starting cash picture.
Estimated remaining funds due at closing
$44,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,092.69
Your down payment$33,092.69
Closing costs + prepaids$10,924.93
Total buyer cash needed$44,017.62
Remaining funds due$44,017.62
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)$725.00
Prepaid interest, first (23 days)$1,074.93
Fees + prepaids$10,924.93
Your down payment is the seller’s equity. You take over the $256,907 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $44,017.62 is due at closing. Uses and sources reconcile at $300,924.93 each. Not a Closing Disclosure.