Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$33,428Cash toward the purchase price.
Closing costs + prepaids$10,146Not just lender fees.
Before credits & paid funds$43,574The complete starting cash picture.
Estimated remaining funds due at closing
$43,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,428.37
Your down payment$33,428.37
Closing costs + prepaids$10,145.92
Total buyer cash needed$43,574.29
Remaining funds due$43,574.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$348.75
Initial HOA (3 months)$105.00
Prepaid interest, first (15 days)$677.17
Fees + prepaids$10,145.92
Your down payment is the seller’s equity. You take over the $245,572 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $43,574.29 is due at closing. Uses and sources reconcile at $289,145.92 each. Not a Closing Disclosure.