Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$7,176Cash toward the purchase price.
Closing costs + prepaids$9,821Not just lender fees.
Before credits & paid funds$16,997The complete starting cash picture.
Estimated remaining funds due at closing
$16,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,176.27
Your down payment$7,176.27
Closing costs + prepaids$9,820.72
Total buyer cash needed$16,996.99
Remaining funds due$16,996.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$659.00
Prepaid interest, first (25 days)$586.72
Fees + prepaids$9,820.72
Your down payment is the seller’s equity. You take over the $227,824 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $16,996.99 is due at closing. Uses and sources reconcile at $244,820.72 each. Not a Closing Disclosure.