Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$32,550Cash toward the purchase price.
Closing costs + prepaids$11,033Not just lender fees.
Before credits & paid funds$43,583The complete starting cash picture.
Estimated remaining funds due at closing
$43,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,549.82
Your down payment$32,549.82
Closing costs + prepaids$11,032.69
Total buyer cash needed$43,582.51
Remaining funds due$43,582.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,980.00
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)$760.00
Initial HOA (3 months)$885.00
Prepaid interest, first (4 days)$182.69
Fees + prepaids$11,032.69
Your down payment is the seller’s equity. You take over the $265,450 balance, so the rest of the $298,000 price is paid at closing. A second mortgage can cover part of it. $43,582.51 is due at closing. Uses and sources reconcile at $309,032.69 each. Not a Closing Disclosure.