Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$28,921Cash toward the purchase price.
Closing costs + prepaids$10,363Not just lender fees.
Before credits & paid funds$39,284The complete starting cash picture.
Estimated remaining funds due at closing
$39,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,921.43
Your down payment$28,921.43
Closing costs + prepaids$10,362.98
Total buyer cash needed$39,284.40
Remaining funds due$39,284.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,425.00
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)$618.50
Initial HOA (3 months)$984.00
Prepaid interest, first (4 days)$110.48
Fees + prepaids$10,362.98
Your down payment is the seller’s equity. You take over the $213,579 balance, so the rest of the $242,500 price is paid at closing. A second mortgage can cover part of it. $39,284.40 is due at closing. Uses and sources reconcile at $252,862.98 each. Not a Closing Disclosure.