Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,973Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$34,123The complete starting cash picture.
Estimated remaining funds due at closing
$34,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,973.06
Your down payment$23,973.06
Closing costs + prepaids$10,150.24
Total buyer cash needed$34,123.31
Remaining funds due$34,123.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,479.00
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)$412.50
Prepaid interest, first (25 days)$1,033.74
Fees + prepaids$10,150.24
Your down payment is the seller’s equity. You take over the $223,927 balance, so the rest of the $247,900 price is paid at closing. A second mortgage can cover part of it. $34,123.31 is due at closing. Uses and sources reconcile at $258,050.24 each. Not a Closing Disclosure.