Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$40,212Cash toward the purchase price.
Closing costs + prepaids$10,797Not just lender fees.
Before credits & paid funds$51,009The complete starting cash picture.
Estimated remaining funds due at closing
$51,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,211.53
Your down payment$40,211.53
Closing costs + prepaids$10,797.29
Total buyer cash needed$51,008.81
Remaining funds due$51,008.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,079.50
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)$1,916.50
Prepaid interest, first (22 days)$576.29
Fees + prepaids$10,797.29
Your down payment is the seller’s equity. You take over the $167,738 balance, so the rest of the $207,950 price is paid at closing. A second mortgage can cover part of it. $51,008.81 is due at closing. Uses and sources reconcile at $218,747.29 each. Not a Closing Disclosure.