Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,106Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$33,085The complete starting cash picture.
Estimated remaining funds due at closing
$33,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,106.28
Your down payment$22,106.28
Closing costs + prepaids$10,978.95
Total buyer cash needed$33,085.23
Remaining funds due$33,085.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$1,248.00
Prepaid interest, first (22 days)$955.95
Fees + prepaids$10,978.95
Your down payment is the seller’s equity. You take over the $232,894 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $33,085.23 is due at closing. Uses and sources reconcile at $265,978.95 each. Not a Closing Disclosure.