Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$28,172Cash toward the purchase price.
Closing costs + prepaids$10,943Not just lender fees.
Before credits & paid funds$39,115The complete starting cash picture.
Estimated remaining funds due at closing
$39,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,171.61
Your down payment$28,171.61
Closing costs + prepaids$10,943.36
Total buyer cash needed$39,114.97
Remaining funds due$39,114.97
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)$348.00
Initial HOA (3 months)$900.00
Prepaid interest, first (12 days)$571.36
Fees + prepaids$10,943.36
Your down payment is the seller’s equity. You take over the $261,728 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $39,114.97 is due at closing. Uses and sources reconcile at $300,843.36 each. Not a Closing Disclosure.