Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,622Cash toward the purchase price.
Closing costs + prepaids$9,812Not just lender fees.
Before credits & paid funds$42,434The complete starting cash picture.
Estimated remaining funds due at closing
$42,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,621.52
Your down payment$32,621.52
Closing costs + prepaids$9,812.14
Total buyer cash needed$42,433.66
Remaining funds due$42,433.66
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)$599.75
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$500.88
Fees + prepaids$9,812.14
Your down payment is the seller’s equity. You take over the $207,278 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $42,433.66 is due at closing. Uses and sources reconcile at $249,712.14 each. Not a Closing Disclosure.