Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,514Cash toward the purchase price.
Closing costs + prepaids$10,981Not just lender fees.
Before credits & paid funds$30,496The complete starting cash picture.
Estimated remaining funds due at closing
$30,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,514.45
Your down payment$19,514.45
Closing costs + prepaids$10,981.46
Total buyer cash needed$30,495.91
Remaining funds due$30,495.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,395.00
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)$754.25
Initial HOA (3 months)$927.00
Prepaid interest, first (18 days)$680.21
Fees + prepaids$10,981.46
Your down payment is the seller’s equity. You take over the $219,986 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $30,495.91 is due at closing. Uses and sources reconcile at $250,481.46 each. Not a Closing Disclosure.