Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,711Cash toward the purchase price.
Closing costs + prepaids$10,127Not just lender fees.
Before credits & paid funds$33,838The complete starting cash picture.
Estimated remaining funds due at closing
$33,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,711.01
Your down payment$23,711.01
Closing costs + prepaids$10,126.73
Total buyer cash needed$33,837.74
Remaining funds due$33,837.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,045.00
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)$987.75
Prepaid interest, first (24 days)$868.98
Fees + prepaids$10,126.73
Your down payment is the seller’s equity. You take over the $180,789 balance, so the rest of the $204,500 price is paid at closing. A second mortgage can cover part of it. $33,837.74 is due at closing. Uses and sources reconcile at $214,626.73 each. Not a Closing Disclosure.