Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,796Cash toward the purchase price.
Closing costs + prepaids$11,175Not just lender fees.
Before credits & paid funds$21,971The complete starting cash picture.
Estimated remaining funds due at closing
$21,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,795.51
Your down payment$10,795.51
Closing costs + prepaids$11,175.40
Total buyer cash needed$21,970.91
Remaining funds due$21,970.91
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)$895.25
Initial HOA (3 months)$480.00
Prepaid interest, first (27 days)$1,176.15
Fees + prepaids$11,175.40
Your down payment is the seller’s equity. You take over the $229,104 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $21,970.91 is due at closing. Uses and sources reconcile at $251,075.40 each. Not a Closing Disclosure.