Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,424Cash toward the purchase price.
Closing costs + prepaids$10,482Not just lender fees.
Before credits & paid funds$35,906The complete starting cash picture.
Estimated remaining funds due at closing
$35,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,423.78
Your down payment$25,423.78
Closing costs + prepaids$10,482.21
Total buyer cash needed$35,905.99
Remaining funds due$35,905.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$847.50
Initial HOA (3 months)$132.24
Prepaid interest, first (23 days)$878.47
Fees + prepaids$10,482.21
Your down payment is the seller’s equity. You take over the $214,476 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $35,905.99 is due at closing. Uses and sources reconcile at $250,382.21 each. Not a Closing Disclosure.