Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,832Cash toward the purchase price.
Closing costs + prepaids$9,326Not just lender fees.
Before credits & paid funds$29,158The complete starting cash picture.
Estimated remaining funds due at closing
$29,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,831.88
Your down payment$19,831.88
Closing costs + prepaids$9,326.47
Total buyer cash needed$29,158.35
Remaining funds due$29,158.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,969.00
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)$381.75
Prepaid interest, first (25 days)$750.72
Fees + prepaids$9,326.47
Your down payment is the seller’s equity. You take over the $177,068 balance, so the rest of the $196,900 price is paid at closing. A second mortgage can cover part of it. $29,158.35 is due at closing. Uses and sources reconcile at $206,226.47 each. Not a Closing Disclosure.