Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$13,701Cash toward the purchase price.
Closing costs + prepaids$9,269Not just lender fees.
Before credits & paid funds$22,970The complete starting cash picture.
Estimated remaining funds due at closing
$22,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,701.36
Your down payment$13,701.36
Closing costs + prepaids$9,268.66
Total buyer cash needed$22,970.02
Remaining funds due$22,970.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$115.25
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$39.41
Fees + prepaids$9,268.66
Your down payment is the seller’s equity. You take over the $236,199 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $22,970.02 is due at closing. Uses and sources reconcile at $259,168.66 each. Not a Closing Disclosure.