Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,786Cash toward the purchase price.
Closing costs + prepaids$9,181Not just lender fees.
Before credits & paid funds$46,967The complete starting cash picture.
Estimated remaining funds due at closing
$46,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,785.64
Your down payment$37,785.64
Closing costs + prepaids$9,181.43
Total buyer cash needed$46,967.07
Remaining funds due$46,967.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$218.25
Prepaid interest, first (28 days)$439.18
Fees + prepaids$9,181.43
Your down payment is the seller’s equity. You take over the $192,114 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $46,967.07 is due at closing. Uses and sources reconcile at $239,081.43 each. Not a Closing Disclosure.