Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$29,289Cash toward the purchase price.
Closing costs + prepaids$10,172Not just lender fees.
Before credits & paid funds$39,461The complete starting cash picture.
Estimated remaining funds due at closing
$39,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,289.29
Your down payment$29,289.29
Closing costs + prepaids$10,171.63
Total buyer cash needed$39,460.93
Remaining funds due$39,460.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$306.00
Initial HOA (3 months)$735.00
Prepaid interest, first (9 days)$355.63
Fees + prepaids$10,171.63
Your down payment is the seller’s equity. You take over the $225,711 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $39,460.93 is due at closing. Uses and sources reconcile at $265,171.63 each. Not a Closing Disclosure.