Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,289Cash toward the purchase price.
Closing costs + prepaids$9,235Not just lender fees.
Before credits & paid funds$31,525The complete starting cash picture.
Estimated remaining funds due at closing
$31,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,289.48
Your down payment$22,289.48
Closing costs + prepaids$9,235.29
Total buyer cash needed$31,524.78
Remaining funds due$31,524.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,170.00
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)$71.00
Prepaid interest, first (23 days)$769.29
Fees + prepaids$9,235.29
Your down payment is the seller’s equity. You take over the $194,711 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $31,524.78 is due at closing. Uses and sources reconcile at $226,235.29 each. Not a Closing Disclosure.