Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$32,917Cash toward the purchase price.
Closing costs + prepaids$12,830Not just lender fees.
Before credits & paid funds$45,747The complete starting cash picture.
Estimated remaining funds due at closing
$45,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,917.35
Your down payment$32,917.35
Closing costs + prepaids$12,829.80
Total buyer cash needed$45,747.15
Remaining funds due$45,747.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$2,762.50
Prepaid interest, first (22 days)$943.30
Fees + prepaids$12,829.80
Your down payment is the seller’s equity. You take over the $256,983 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $45,747.15 is due at closing. Uses and sources reconcile at $302,729.80 each. Not a Closing Disclosure.