Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,966Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$44,043The complete starting cash picture.
Estimated remaining funds due at closing
$44,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,965.63
Your down payment$33,965.63
Closing costs + prepaids$10,077.19
Total buyer cash needed$44,042.82
Remaining funds due$44,042.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,475.00
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)$485.50
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$591.69
Fees + prepaids$10,077.19
Your down payment is the seller’s equity. You take over the $213,534 balance, so the rest of the $247,500 price is paid at closing. A second mortgage can cover part of it. $44,042.82 is due at closing. Uses and sources reconcile at $257,577.19 each. Not a Closing Disclosure.