Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,528Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$41,279The complete starting cash picture.
Estimated remaining funds due at closing
$41,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,527.70
Your down payment$29,527.70
Closing costs + prepaids$11,751.67
Total buyer cash needed$41,279.37
Remaining funds due$41,279.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,189.00
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)$364.75
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$1,717.92
Fees + prepaids$11,751.67
Your down payment is the seller’s equity. You take over the $289,372 balance, so the rest of the $318,900 price is paid at closing. A second mortgage can cover part of it. $41,279.37 is due at closing. Uses and sources reconcile at $330,651.67 each. Not a Closing Disclosure.