Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,953Cash toward the purchase price.
Closing costs + prepaids$9,952Not just lender fees.
Before credits & paid funds$35,905The complete starting cash picture.
Estimated remaining funds due at closing
$35,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,952.72
Your down payment$25,952.72
Closing costs + prepaids$9,951.94
Total buyer cash needed$35,904.66
Remaining funds due$35,904.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,070.00
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)$355.00
Initial HOA (3 months)$204.00
Prepaid interest, first (2 days)$97.94
Fees + prepaids$9,951.94
Your down payment is the seller’s equity. You take over the $281,047 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $35,904.66 is due at closing. Uses and sources reconcile at $316,951.94 each. Not a Closing Disclosure.