Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,241Cash toward the purchase price.
Closing costs + prepaids$10,089Not just lender fees.
Before credits & paid funds$39,330The complete starting cash picture.
Estimated remaining funds due at closing
$39,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,240.64
Your down payment$29,240.64
Closing costs + prepaids$10,089.22
Total buyer cash needed$39,329.86
Remaining funds due$39,329.86
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 (1 days)$55.47
Fees + prepaids$10,089.22
Your down payment is the seller’s equity. You take over the $289,659 balance, so the rest of the $318,900 price is paid at closing. A second mortgage can cover part of it. $39,329.86 is due at closing. Uses and sources reconcile at $328,989.22 each. Not a Closing Disclosure.