Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$29,528Cash toward the purchase price.
Closing costs + prepaids$10,606Not just lender fees.
Before credits & paid funds$40,134The complete starting cash picture.
Estimated remaining funds due at closing
$40,134No 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$10,605.92
Total buyer cash needed$40,133.61
Remaining funds due$40,133.61
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)$382.75
Initial HOA (3 months)$255.00
Prepaid interest, first (10 days)$554.17
Fees + prepaids$10,605.92
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. $40,133.61 is due at closing. Uses and sources reconcile at $329,505.92 each. Not a Closing Disclosure.