Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,280Cash toward the purchase price.
Closing costs + prepaids$9,512Not just lender fees.
Before credits & paid funds$40,792The complete starting cash picture.
Estimated remaining funds due at closing
$40,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,280.20
Your down payment$31,280.20
Closing costs + prepaids$9,511.57
Total buyer cash needed$40,791.78
Remaining funds due$40,791.78
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)$349.50
Prepaid interest, first (1 days)$37.07
Fees + prepaids$9,511.57
Your down payment is the seller’s equity. You take over the $258,720 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $40,791.78 is due at closing. Uses and sources reconcile at $299,511.57 each. Not a Closing Disclosure.