Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,421Cash toward the purchase price.
Closing costs + prepaids$10,911Not just lender fees.
Before credits & paid funds$35,332The complete starting cash picture.
Estimated remaining funds due at closing
$35,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,421.20
Your down payment$24,421.20
Closing costs + prepaids$10,910.63
Total buyer cash needed$35,331.83
Remaining funds due$35,331.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$805.25
Initial HOA (3 months)$525.00
Prepaid interest, first (27 days)$1,065.38
Fees + prepaids$10,910.63
Your down payment is the seller’s equity. You take over the $204,579 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $35,331.83 is due at closing. Uses and sources reconcile at $239,910.63 each. Not a Closing Disclosure.