Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$32,597Cash toward the purchase price.
Closing costs + prepaids$9,004Not just lender fees.
Before credits & paid funds$41,601The complete starting cash picture.
Estimated remaining funds due at closing
$41,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,596.77
Your down payment$32,596.77
Closing costs + prepaids$9,004.28
Total buyer cash needed$41,601.05
Remaining funds due$41,601.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$331.75
Prepaid interest, first (25 days)$348.53
Fees + prepaids$9,004.28
Your down payment is the seller’s equity. You take over the $177,303 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $41,601.05 is due at closing. Uses and sources reconcile at $218,904.28 each. Not a Closing Disclosure.