Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$14,580Cash toward the purchase price.
Closing costs + prepaids$10,397Not just lender fees.
Before credits & paid funds$24,977The complete starting cash picture.
Estimated remaining funds due at closing
$24,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,580.34
Your down payment$14,580.34
Closing costs + prepaids$10,396.85
Total buyer cash needed$24,977.19
Remaining funds due$24,977.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,139.00
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)$256.75
Initial HOA (3 months)$1,590.00
Prepaid interest, first (12 days)$186.10
Fees + prepaids$10,396.85
Your down payment is the seller’s equity. You take over the $199,320 balance, so the rest of the $213,900 price is paid at closing. A second mortgage can cover part of it. $24,977.19 is due at closing. Uses and sources reconcile at $224,296.85 each. Not a Closing Disclosure.