Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,939Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$24,184The complete starting cash picture.
Estimated remaining funds due at closing
$24,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,939.36
Your down payment$12,939.36
Closing costs + prepaids$11,244.56
Total buyer cash needed$24,183.92
Remaining funds due$24,183.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$33.75
Initial HOA (3 months)$411.99
Prepaid interest, first (31 days)$1,674.82
Fees + prepaids$11,244.56
Your down payment is the seller’s equity. You take over the $276,961 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $24,183.92 is due at closing. Uses and sources reconcile at $301,144.56 each. Not a Closing Disclosure.