Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$28,924Cash toward the purchase price.
Closing costs + prepaids$11,065Not just lender fees.
Before credits & paid funds$39,989The complete starting cash picture.
Estimated remaining funds due at closing
$39,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,923.82
Your down payment$28,923.82
Closing costs + prepaids$11,064.88
Total buyer cash needed$39,988.70
Remaining funds due$39,988.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$387.50
Initial HOA (3 months)$525.00
Prepaid interest, first (17 days)$828.38
Fees + prepaids$11,064.88
Your down payment is the seller’s equity. You take over the $280,976 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $39,988.70 is due at closing. Uses and sources reconcile at $320,964.88 each. Not a Closing Disclosure.