Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$12,449Cash toward the purchase price.
Closing costs + prepaids$9,023Not just lender fees.
Before credits & paid funds$21,472The complete starting cash picture.
Estimated remaining funds due at closing
$21,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,448.63
Your down payment$12,448.63
Closing costs + prepaids$9,023.16
Total buyer cash needed$21,471.79
Remaining funds due$21,471.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$466.75
Prepaid interest, first (2 days)$81.41
Fees + prepaids$9,023.16
Your down payment is the seller’s equity. You take over the $212,551 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $21,471.79 is due at closing. Uses and sources reconcile at $234,023.16 each. Not a Closing Disclosure.