Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$13,020Cash toward the purchase price.
Closing costs + prepaids$10,305Not just lender fees.
Before credits & paid funds$23,325The complete starting cash picture.
Estimated remaining funds due at closing
$23,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,019.80
Your down payment$13,019.80
Closing costs + prepaids$10,305.11
Total buyer cash needed$23,324.91
Remaining funds due$23,324.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$498.75
Initial HOA (3 months)$897.00
Prepaid interest, first (27 days)$434.36
Fees + prepaids$10,305.11
Your down payment is the seller’s equity. You take over the $211,980 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $23,324.91 is due at closing. Uses and sources reconcile at $235,305.11 each. Not a Closing Disclosure.