Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$29,176Cash toward the purchase price.
Closing costs + prepaids$10,110Not just lender fees.
Before credits & paid funds$39,287The complete starting cash picture.
Estimated remaining funds due at closing
$39,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,176.07
Your down payment$29,176.07
Closing costs + prepaids$10,110.45
Total buyer cash needed$39,286.52
Remaining funds due$39,286.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,047.30
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)$365.75
Initial HOA (3 months)$258.00
Prepaid interest, first (10 days)$214.40
Fees + prepaids$10,110.45
Your down payment is the seller’s equity. You take over the $275,554 balance, so the rest of the $304,730 price is paid at closing. A second mortgage can cover part of it. $39,286.52 is due at closing. Uses and sources reconcile at $314,840.45 each. Not a Closing Disclosure.