Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,114Cash toward the purchase price.
Closing costs + prepaids$10,456Not just lender fees.
Before credits & paid funds$33,570The complete starting cash picture.
Estimated remaining funds due at closing
$33,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,113.64
Your down payment$23,113.64
Closing costs + prepaids$10,456.02
Total buyer cash needed$33,569.66
Remaining funds due$33,569.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$355.75
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$1,254.01
Fees + prepaids$10,456.02
Your down payment is the seller’s equity. You take over the $235,886 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $33,569.66 is due at closing. Uses and sources reconcile at $269,456.02 each. Not a Closing Disclosure.