Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$22,742Cash toward the purchase price.
Closing costs + prepaids$10,990Not just lender fees.
Before credits & paid funds$33,732The complete starting cash picture.
Estimated remaining funds due at closing
$33,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,742.01
Your down payment$22,742.01
Closing costs + prepaids$10,990.35
Total buyer cash needed$33,732.36
Remaining funds due$33,732.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$515.75
Initial HOA (3 months)$450.00
Prepaid interest, first (29 days)$1,250.60
Fees + prepaids$10,990.35
Your down payment is the seller’s equity. You take over the $232,158 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $33,732.36 is due at closing. Uses and sources reconcile at $265,890.35 each. Not a Closing Disclosure.