Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,182Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$33,333The complete starting cash picture.
Estimated remaining funds due at closing
$33,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,182.31
Your down payment$23,182.31
Closing costs + prepaids$10,150.31
Total buyer cash needed$33,332.62
Remaining funds due$33,332.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$287.75
Prepaid interest, first (30 days)$1,138.56
Fees + prepaids$10,150.31
Your down payment is the seller’s equity. You take over the $226,718 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $33,332.62 is due at closing. Uses and sources reconcile at $260,050.31 each. Not a Closing Disclosure.