Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,642Cash toward the purchase price.
Closing costs + prepaids$9,403Not just lender fees.
Before credits & paid funds$33,045The complete starting cash picture.
Estimated remaining funds due at closing
$33,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,641.67
Your down payment$23,641.67
Closing costs + prepaids$9,403.09
Total buyer cash needed$33,044.76
Remaining funds due$33,044.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,930.00
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)$482.50
Prepaid interest, first (25 days)$765.59
Fees + prepaids$9,403.09
Your down payment is the seller’s equity. You take over the $169,358 balance, so the rest of the $193,000 price is paid at closing. A second mortgage can cover part of it. $33,044.76 is due at closing. Uses and sources reconcile at $202,403.09 each. Not a Closing Disclosure.