Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,620Cash toward the purchase price.
Closing costs + prepaids$9,666Not just lender fees.
Before credits & paid funds$34,286The complete starting cash picture.
Estimated remaining funds due at closing
$34,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,619.79
Your down payment$24,619.79
Closing costs + prepaids$9,666.24
Total buyer cash needed$34,286.02
Remaining funds due$34,286.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$109.75
Prepaid interest, first (31 days)$932.49
Fees + prepaids$9,666.24
Your down payment is the seller’s equity. You take over the $215,280 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $34,286.02 is due at closing. Uses and sources reconcile at $249,566.24 each. Not a Closing Disclosure.