Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,474Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$49,392The complete starting cash picture.
Estimated remaining funds due at closing
$49,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,474.20
Your down payment$39,474.20
Closing costs + prepaids$9,917.95
Total buyer cash needed$49,392.15
Remaining funds due$49,392.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$752.75
Prepaid interest, first (26 days)$790.20
Fees + prepaids$9,917.95
Your down payment is the seller’s equity. You take over the $175,526 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $49,392.15 is due at closing. Uses and sources reconcile at $224,917.95 each. Not a Closing Disclosure.