Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$24,599Cash toward the purchase price.
Closing costs + prepaids$10,385Not just lender fees.
Before credits & paid funds$34,985The complete starting cash picture.
Estimated remaining funds due at closing
$34,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,599.14
Your down payment$24,599.14
Closing costs + prepaids$10,385.49
Total buyer cash needed$34,984.63
Remaining funds due$34,984.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$325.00
Initial HOA (3 months)$495.00
Prepaid interest, first (18 days)$741.49
Fees + prepaids$10,385.49
Your down payment is the seller’s equity. You take over the $235,301 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $34,984.63 is due at closing. Uses and sources reconcile at $270,285.49 each. Not a Closing Disclosure.