Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,607Cash toward the purchase price.
Closing costs + prepaids$9,825Not just lender fees.
Before credits & paid funds$43,432The complete starting cash picture.
Estimated remaining funds due at closing
$43,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,606.93
Your down payment$33,606.93
Closing costs + prepaids$9,824.86
Total buyer cash needed$43,431.78
Remaining funds due$43,431.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$252.50
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$582.36
Fees + prepaids$9,824.86
Your down payment is the seller’s equity. You take over the $235,393 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $43,431.78 is due at closing. Uses and sources reconcile at $278,824.86 each. Not a Closing Disclosure.