Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,894Cash toward the purchase price.
Closing costs + prepaids$12,326Not just lender fees.
Before credits & paid funds$32,221The complete starting cash picture.
Estimated remaining funds due at closing
$32,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,894.39
Your down payment$19,894.39
Closing costs + prepaids$12,326.21
Total buyer cash needed$32,220.60
Remaining funds due$32,220.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,740.00
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)$1,130.25
Initial HOA (3 months)$999.00
Prepaid interest, first (28 days)$1,231.96
Fees + prepaids$12,326.21
Your down payment is the seller’s equity. You take over the $254,106 balance, so the rest of the $274,000 price is paid at closing. A second mortgage can cover part of it. $32,220.60 is due at closing. Uses and sources reconcile at $286,326.21 each. Not a Closing Disclosure.