Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,147Cash toward the purchase price.
Closing costs + prepaids$9,639Not just lender fees.
Before credits & paid funds$32,785The complete starting cash picture.
Estimated remaining funds due at closing
$32,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,146.62
Your down payment$23,146.62
Closing costs + prepaids$9,638.72
Total buyer cash needed$32,785.34
Remaining funds due$32,785.34
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)$536.00
Prepaid interest, first (24 days)$777.72
Fees + prepaids$9,638.72
Your down payment is the seller’s equity. You take over the $186,853 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $32,785.34 is due at closing. Uses and sources reconcile at $219,638.72 each. Not a Closing Disclosure.