Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$23,550Cash toward the purchase price.
Closing costs + prepaids$9,676Not just lender fees.
Before credits & paid funds$33,226The complete starting cash picture.
Estimated remaining funds due at closing
$33,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,549.54
Your down payment$23,549.54
Closing costs + prepaids$9,676.23
Total buyer cash needed$33,225.77
Remaining funds due$33,225.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$311.25
Prepaid interest, first (17 days)$649.98
Fees + prepaids$9,676.23
Your down payment is the seller’s equity. You take over the $225,450 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $33,225.77 is due at closing. Uses and sources reconcile at $258,676.23 each. Not a Closing Disclosure.