Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$27,256Cash toward the purchase price.
Closing costs + prepaids$9,780Not just lender fees.
Before credits & paid funds$37,036The complete starting cash picture.
Estimated remaining funds due at closing
$37,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,256.04
Your down payment$27,256.04
Closing costs + prepaids$9,780.26
Total buyer cash needed$37,036.30
Remaining funds due$37,036.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$282.00
Initial HOA (3 months)$657.00
Prepaid interest, first (9 days)$267.26
Fees + prepaids$9,780.26
Your down payment is the seller’s equity. You take over the $207,644 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $37,036.30 is due at closing. Uses and sources reconcile at $244,680.26 each. Not a Closing Disclosure.