Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$33,791Cash toward the purchase price.
Closing costs + prepaids$9,729Not just lender fees.
Before credits & paid funds$43,520The complete starting cash picture.
Estimated remaining funds due at closing
$43,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,791.15
Your down payment$33,791.15
Closing costs + prepaids$9,729.30
Total buyer cash needed$43,520.45
Remaining funds due$43,520.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$714.75
Prepaid interest, first (29 days)$540.55
Fees + prepaids$9,729.30
Your down payment is the seller’s equity. You take over the $191,109 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $43,520.45 is due at closing. Uses and sources reconcile at $234,629.30 each. Not a Closing Disclosure.