Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,864Cash toward the purchase price.
Closing costs + prepaids$9,981Not just lender fees.
Before credits & paid funds$49,846The complete starting cash picture.
Estimated remaining funds due at closing
$49,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,864.42
Your down payment$39,864.42
Closing costs + prepaids$9,981.46
Total buyer cash needed$49,845.88
Remaining funds due$49,845.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,089.00
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)$385.00
Initial HOA (3 months)$240.00
Prepaid interest, first (2 days)$42.46
Fees + prepaids$9,981.46
Your down payment is the seller’s equity. You take over the $269,036 balance, so the rest of the $308,900 price is paid at closing. A second mortgage can cover part of it. $49,845.88 is due at closing. Uses and sources reconcile at $318,881.46 each. Not a Closing Disclosure.