Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$22,199Cash toward the purchase price.
Closing costs + prepaids$10,651Not just lender fees.
Before credits & paid funds$32,850The complete starting cash picture.
Estimated remaining funds due at closing
$32,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,199.37
Your down payment$22,199.37
Closing costs + prepaids$10,650.91
Total buyer cash needed$32,850.28
Remaining funds due$32,850.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$459.50
Prepaid interest, first (29 days)$1,267.41
Fees + prepaids$10,650.91
Your down payment is the seller’s equity. You take over the $247,701 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $32,850.28 is due at closing. Uses and sources reconcile at $280,550.91 each. Not a Closing Disclosure.