Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,404Cash toward the purchase price.
Closing costs + prepaids$10,173Not just lender fees.
Before credits & paid funds$33,578The complete starting cash picture.
Estimated remaining funds due at closing
$33,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,404.38
Your down payment$23,404.38
Closing costs + prepaids$10,173.48
Total buyer cash needed$33,577.86
Remaining funds due$33,577.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$1,198.75
Prepaid interest, first (24 days)$759.73
Fees + prepaids$10,173.48
Your down payment is the seller’s equity. You take over the $175,596 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $33,577.86 is due at closing. Uses and sources reconcile at $209,173.48 each. Not a Closing Disclosure.