Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,095Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$42,505The complete starting cash picture.
Estimated remaining funds due at closing
$42,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,095.49
Your down payment$32,095.49
Closing costs + prepaids$10,409.94
Total buyer cash needed$42,505.43
Remaining funds due$42,505.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.90
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)$626.25
Initial HOA (3 months)$0.24
Prepaid interest, first (26 days)$1,058.55
Fees + prepaids$10,409.94
Your down payment is the seller’s equity. You take over the $217,895 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $42,505.43 is due at closing. Uses and sources reconcile at $260,399.94 each. Not a Closing Disclosure.