Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$21,623Cash toward the purchase price.
Closing costs + prepaids$10,792Not just lender fees.
Before credits & paid funds$32,415The complete starting cash picture.
Estimated remaining funds due at closing
$32,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,622.79
Your down payment$21,622.79
Closing costs + prepaids$10,791.75
Total buyer cash needed$32,414.54
Remaining funds due$32,414.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,795.00
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)$335.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (7 days)$341.25
Fees + prepaids$10,791.75
Your down payment is the seller’s equity. You take over the $257,877 balance, so the rest of the $279,500 price is paid at closing. A second mortgage can cover part of it. $32,414.54 is due at closing. Uses and sources reconcile at $290,291.75 each. Not a Closing Disclosure.