Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,975Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$32,681The complete starting cash picture.
Estimated remaining funds due at closing
$32,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,975.35
Your down payment$21,975.35
Closing costs + prepaids$10,706.09
Total buyer cash needed$32,681.45
Remaining funds due$32,681.45
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)$460.25
Initial HOA (3 months)$273.00
Prepaid interest, first (27 days)$1,257.84
Fees + prepaids$10,706.09
Your down payment is the seller’s equity. You take over the $227,025 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $32,681.45 is due at closing. Uses and sources reconcile at $259,706.09 each. Not a Closing Disclosure.