Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$11,975Cash toward the purchase price.
Closing costs + prepaids$9,641Not just lender fees.
Before credits & paid funds$21,616The complete starting cash picture.
Estimated remaining funds due at closing
$21,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,975.35
Your down payment$11,975.35
Closing costs + prepaids$9,640.62
Total buyer cash needed$21,615.97
Remaining funds due$21,615.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$286.75
Initial HOA (3 months)$273.00
Prepaid interest, first (10 days)$465.87
Fees + prepaids$9,640.62
Your down payment is the seller’s equity. You take over the $227,025 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $21,615.97 is due at closing. Uses and sources reconcile at $248,640.62 each. Not a Closing Disclosure.