Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,283Cash toward the purchase price.
Closing costs + prepaids$10,299Not just lender fees.
Before credits & paid funds$33,582The complete starting cash picture.
Estimated remaining funds due at closing
$33,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,283.04
Your down payment$23,283.04
Closing costs + prepaids$10,298.90
Total buyer cash needed$33,581.94
Remaining funds due$33,581.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$471.50
Initial HOA (3 months)$180.00
Prepaid interest, first (23 days)$972.40
Fees + prepaids$10,298.90
Your down payment is the seller’s equity. You take over the $221,717 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $33,581.94 is due at closing. Uses and sources reconcile at $255,298.90 each. Not a Closing Disclosure.