Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$41,774Cash toward the purchase price.
Closing costs + prepaids$9,603Not just lender fees.
Before credits & paid funds$51,377The complete starting cash picture.
Estimated remaining funds due at closing
$51,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,774.24
Your down payment$41,774.24
Closing costs + prepaids$9,602.81
Total buyer cash needed$51,377.05
Remaining funds due$51,377.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$185.25
Initial HOA (3 months)$765.00
Prepaid interest, first (23 days)$327.56
Fees + prepaids$9,602.81
Your down payment is the seller’s equity. You take over the $168,226 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $51,377.05 is due at closing. Uses and sources reconcile at $219,602.81 each. Not a Closing Disclosure.