Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$20,119Cash toward the purchase price.
Closing costs + prepaids$9,636Not just lender fees.
Before credits & paid funds$29,755The complete starting cash picture.
Estimated remaining funds due at closing
$29,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,118.82
Your down payment$20,118.82
Closing costs + prepaids$9,636.14
Total buyer cash needed$29,754.96
Remaining funds due$29,754.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,995.00
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)$512.50
Prepaid interest, first (27 days)$903.64
Fees + prepaids$9,636.14
Your down payment is the seller’s equity. You take over the $179,381 balance, so the rest of the $199,500 price is paid at closing. A second mortgage can cover part of it. $29,754.96 is due at closing. Uses and sources reconcile at $209,136.14 each. Not a Closing Disclosure.