Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$36,334Cash toward the purchase price.
Closing costs + prepaids$9,037Not just lender fees.
Before credits & paid funds$45,372The complete starting cash picture.
Estimated remaining funds due at closing
$45,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,334.49
Your down payment$36,334.49
Closing costs + prepaids$9,037.42
Total buyer cash needed$45,371.91
Remaining funds due$45,371.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$370.00
Prepaid interest, first (23 days)$343.42
Fees + prepaids$9,037.42
Your down payment is the seller’s equity. You take over the $173,566 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $45,371.91 is due at closing. Uses and sources reconcile at $218,937.42 each. Not a Closing Disclosure.