Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$21,774Cash toward the purchase price.
Closing costs + prepaids$11,298Not just lender fees.
Before credits & paid funds$33,072The complete starting cash picture.
Estimated remaining funds due at closing
$33,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,773.59
Your down payment$21,773.59
Closing costs + prepaids$11,298.16
Total buyer cash needed$33,071.76
Remaining funds due$33,071.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$606.25
Initial HOA (3 months)$453.00
Prepaid interest, first (29 days)$1,323.91
Fees + prepaids$11,298.16
Your down payment is the seller’s equity. You take over the $247,226 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $33,071.76 is due at closing. Uses and sources reconcile at $280,298.16 each. Not a Closing Disclosure.