Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,651Cash toward the purchase price.
Closing costs + prepaids$10,302Not just lender fees.
Before credits & paid funds$33,953The complete starting cash picture.
Estimated remaining funds due at closing
$33,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,650.53
Your down payment$23,650.53
Closing costs + prepaids$10,302.27
Total buyer cash needed$33,952.80
Remaining funds due$33,952.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,395.00
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)$667.25
Prepaid interest, first (28 days)$1,015.02
Fees + prepaids$10,302.27
Your down payment is the seller’s equity. You take over the $215,849 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $33,952.80 is due at closing. Uses and sources reconcile at $249,802.27 each. Not a Closing Disclosure.