Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$22,959Cash toward the purchase price.
Closing costs + prepaids$10,690Not just lender fees.
Before credits & paid funds$33,650The complete starting cash picture.
Estimated remaining funds due at closing
$33,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,959.45
Your down payment$22,959.45
Closing costs + prepaids$10,690.11
Total buyer cash needed$33,649.56
Remaining funds due$33,649.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.99
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)$101.25
Initial HOA (3 months)$672.00
Prepaid interest, first (20 days)$941.87
Fees + prepaids$10,690.11
Your down payment is the seller’s equity. You take over the $252,040 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $33,649.56 is due at closing. Uses and sources reconcile at $285,689.11 each. Not a Closing Disclosure.