Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$11,975Cash toward the purchase price.
Closing costs + prepaids$10,327Not just lender fees.
Before credits & paid funds$22,302The complete starting cash picture.
Estimated remaining funds due at closing
$22,302No 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$10,326.57
Total buyer cash needed$22,301.92
Remaining funds due$22,301.92
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)$460.25
Initial HOA (3 months)$273.00
Prepaid interest, first (21 days)$978.32
Fees + prepaids$10,326.57
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. $22,301.92 is due at closing. Uses and sources reconcile at $249,326.57 each. Not a Closing Disclosure.