Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,031Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$42,968The complete starting cash picture.
Estimated remaining funds due at closing
$42,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,030.91
Your down payment$32,030.91
Closing costs + prepaids$10,936.78
Total buyer cash needed$42,967.69
Remaining funds due$42,967.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,895.00
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)$347.50
Initial HOA (3 months)$1,344.00
Prepaid interest, first (6 days)$125.28
Fees + prepaids$10,936.78
Your down payment is the seller’s equity. You take over the $257,469 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $42,967.69 is due at closing. Uses and sources reconcile at $300,436.78 each. Not a Closing Disclosure.