Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,842Cash toward the purchase price.
Closing costs + prepaids$10,263Not just lender fees.
Before credits & paid funds$33,105The complete starting cash picture.
Estimated remaining funds due at closing
$33,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,842.35
Your down payment$22,842.35
Closing costs + prepaids$10,262.55
Total buyer cash needed$33,104.90
Remaining funds due$33,104.90
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)$180.50
Initial HOA (3 months)$525.00
Prepaid interest, first (30 days)$933.05
Fees + prepaids$10,262.55
Your down payment is the seller’s equity. You take over the $217,058 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $33,104.90 is due at closing. Uses and sources reconcile at $250,162.55 each. Not a Closing Disclosure.