Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$14,003Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$24,295The complete starting cash picture.
Estimated remaining funds due at closing
$24,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,002.82
Your down payment$14,002.82
Closing costs + prepaids$10,291.95
Total buyer cash needed$24,294.77
Remaining funds due$24,294.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$115.25
Initial HOA (3 months)$390.00
Prepaid interest, first (27 days)$1,062.70
Fees + prepaids$10,291.95
Your down payment is the seller’s equity. You take over the $235,897 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $24,294.77 is due at closing. Uses and sources reconcile at $260,191.95 each. Not a Closing Disclosure.