Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,117Cash toward the purchase price.
Closing costs + prepaids$9,556Not just lender fees.
Before credits & paid funds$34,673The complete starting cash picture.
Estimated remaining funds due at closing
$34,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,117.13
Your down payment$25,117.13
Closing costs + prepaids$9,556.01
Total buyer cash needed$34,673.13
Remaining funds due$34,673.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,059.99
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)$92.00
Initial HOA (3 months)$151.26
Prepaid interest, first (31 days)$1,027.76
Fees + prepaids$9,556.01
Your down payment is the seller’s equity. You take over the $180,882 balance, so the rest of the $205,999 price is paid at closing. A second mortgage can cover part of it. $34,673.13 is due at closing. Uses and sources reconcile at $215,555.01 each. Not a Closing Disclosure.