Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$22,332Cash toward the purchase price.
Closing costs + prepaids$10,187Not just lender fees.
Before credits & paid funds$32,520The complete starting cash picture.
Estimated remaining funds due at closing
$32,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,332.46
Your down payment$22,332.46
Closing costs + prepaids$10,187.29
Total buyer cash needed$32,519.74
Remaining funds due$32,519.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$343.75
Initial HOA (3 months)$120.00
Prepaid interest, first (16 days)$749.54
Fees + prepaids$10,187.29
Your down payment is the seller’s equity. You take over the $252,568 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $32,519.74 is due at closing. Uses and sources reconcile at $285,087.29 each. Not a Closing Disclosure.