Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,289Cash toward the purchase price.
Closing costs + prepaids$10,070Not just lender fees.
Before credits & paid funds$39,359The complete starting cash picture.
Estimated remaining funds due at closing
$39,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,289.02
Your down payment$29,289.02
Closing costs + prepaids$10,069.82
Total buyer cash needed$39,358.84
Remaining funds due$39,358.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,894.00
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)$183.00
Initial HOA (3 months)$720.00
Prepaid interest, first (1 days)$47.82
Fees + prepaids$10,069.82
Your down payment is the seller’s equity. You take over the $260,111 balance, so the rest of the $289,400 price is paid at closing. A second mortgage can cover part of it. $39,358.84 is due at closing. Uses and sources reconcile at $299,469.82 each. Not a Closing Disclosure.