Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$10,945Cash toward the purchase price.
Closing costs + prepaids$9,300Not just lender fees.
Before credits & paid funds$20,245The complete starting cash picture.
Estimated remaining funds due at closing
$20,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,944.89
Your down payment$10,944.89
Closing costs + prepaids$9,299.84
Total buyer cash needed$20,244.74
Remaining funds due$20,244.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$282.00
Initial HOA (3 months)$276.00
Prepaid interest, first (9 days)$166.84
Fees + prepaids$9,299.84
Your down payment is the seller’s equity. You take over the $224,055 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $20,244.74 is due at closing. Uses and sources reconcile at $244,299.84 each. Not a Closing Disclosure.