Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,826Cash toward the purchase price.
Closing costs + prepaids$10,771Not just lender fees.
Before credits & paid funds$32,597The complete starting cash picture.
Estimated remaining funds due at closing
$32,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,825.98
Your down payment$21,825.98
Closing costs + prepaids$10,771.19
Total buyer cash needed$32,597.17
Remaining funds due$32,597.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$742.25
Prepaid interest, first (31 days)$1,313.94
Fees + prepaids$10,771.19
Your down payment is the seller’s equity. You take over the $227,174 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $32,597.17 is due at closing. Uses and sources reconcile at $259,771.19 each. Not a Closing Disclosure.