Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$15,492Cash toward the purchase price.
Closing costs + prepaids$9,728Not just lender fees.
Before credits & paid funds$25,220The complete starting cash picture.
Estimated remaining funds due at closing
$25,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,492.15
Your down payment$15,492.15
Closing costs + prepaids$9,728.33
Total buyer cash needed$25,220.48
Remaining funds due$25,220.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$318.75
Prepaid interest, first (15 days)$635.58
Fees + prepaids$9,728.33
Your down payment is the seller’s equity. You take over the $239,408 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $25,220.48 is due at closing. Uses and sources reconcile at $264,628.33 each. Not a Closing Disclosure.