Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,674Cash toward the purchase price.
Closing costs + prepaids$9,553Not just lender fees.
Before credits & paid funds$34,227The complete starting cash picture.
Estimated remaining funds due at closing
$34,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,674.22
Your down payment$24,674.22
Closing costs + prepaids$9,552.78
Total buyer cash needed$34,227.00
Remaining funds due$34,227.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$645.00
Prepaid interest, first (2 days)$83.78
Fees + prepaids$9,552.78
Your down payment is the seller’s equity. You take over the $235,226 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $34,227.00 is due at closing. Uses and sources reconcile at $269,452.78 each. Not a Closing Disclosure.