Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,283Cash toward the purchase price.
Closing costs + prepaids$9,629Not just lender fees.
Before credits & paid funds$32,912The complete starting cash picture.
Estimated remaining funds due at closing
$32,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,282.75
Your down payment$23,282.75
Closing costs + prepaids$9,629.46
Total buyer cash needed$32,912.21
Remaining funds due$32,912.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$768.25
Prepaid interest, first (2 days)$86.21
Fees + prepaids$9,629.46
Your down payment is the seller’s equity. You take over the $231,717 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $32,912.21 is due at closing. Uses and sources reconcile at $264,629.46 each. Not a Closing Disclosure.