Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$22,959Cash toward the purchase price.
Closing costs + prepaids$10,448Not just lender fees.
Before credits & paid funds$33,407The complete starting cash picture.
Estimated remaining funds due at closing
$33,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,959.45
Your down payment$22,959.45
Closing costs + prepaids$10,447.92
Total buyer cash needed$33,407.37
Remaining funds due$33,407.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.99
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)$330.00
Initial HOA (3 months)$672.00
Prepaid interest, first (10 days)$470.93
Fees + prepaids$10,447.92
Your down payment is the seller’s equity. You take over the $252,040 balance, so the rest of the $274,999 price is paid at closing. A second mortgage can cover part of it. $33,407.37 is due at closing. Uses and sources reconcile at $285,446.92 each. Not a Closing Disclosure.