Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$16,919Cash toward the purchase price.
Closing costs + prepaids$10,584Not just lender fees.
Before credits & paid funds$27,503The complete starting cash picture.
Estimated remaining funds due at closing
$27,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,918.59
Your down payment$16,918.59
Closing costs + prepaids$10,584.44
Total buyer cash needed$27,503.03
Remaining funds due$27,503.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,330.00
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)$972.00
Prepaid interest, first (26 days)$1,057.44
Fees + prepaids$10,584.44
Your down payment is the seller’s equity. You take over the $216,081 balance, so the rest of the $233,000 price is paid at closing. A second mortgage can cover part of it. $27,503.03 is due at closing. Uses and sources reconcile at $243,584.44 each. Not a Closing Disclosure.