Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,014Cash toward the purchase price.
Closing costs + prepaids$11,201Not just lender fees.
Before credits & paid funds$44,215The complete starting cash picture.
Estimated remaining funds due at closing
$44,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,014.16
Your down payment$33,014.16
Closing costs + prepaids$11,200.58
Total buyer cash needed$44,214.74
Remaining funds due$44,214.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,473.50
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)$278.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (31 days)$1,114.08
Fees + prepaids$11,200.58
Your down payment is the seller’s equity. You take over the $214,336 balance, so the rest of the $247,350 price is paid at closing. A second mortgage can cover part of it. $44,214.74 is due at closing. Uses and sources reconcile at $258,550.58 each. Not a Closing Disclosure.