Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,762Cash toward the purchase price.
Closing costs + prepaids$9,986Not just lender fees.
Before credits & paid funds$42,748The complete starting cash picture.
Estimated remaining funds due at closing
$42,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,762.05
Your down payment$32,762.05
Closing costs + prepaids$9,986.11
Total buyer cash needed$42,748.15
Remaining funds due$42,748.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$503.75
Prepaid interest, first (23 days)$907.36
Fees + prepaids$9,986.11
Your down payment is the seller’s equity. You take over the $202,238 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $42,748.15 is due at closing. Uses and sources reconcile at $244,986.11 each. Not a Closing Disclosure.