Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,528Cash toward the purchase price.
Closing costs + prepaids$11,419Not just lender fees.
Before credits & paid funds$33,947The complete starting cash picture.
Estimated remaining funds due at closing
$33,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,528.28
Your down payment$22,528.28
Closing costs + prepaids$11,418.82
Total buyer cash needed$33,947.09
Remaining funds due$33,947.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.50
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)$1,592.75
Prepaid interest, first (23 days)$1,051.57
Fees + prepaids$11,418.82
Your down payment is the seller’s equity. You take over the $232,422 balance, so the rest of the $254,950 price is paid at closing. A second mortgage can cover part of it. $33,947.09 is due at closing. Uses and sources reconcile at $266,368.82 each. Not a Closing Disclosure.