Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,493Cash toward the purchase price.
Closing costs + prepaids$9,002Not just lender fees.
Before credits & paid funds$39,496The complete starting cash picture.
Estimated remaining funds due at closing
$39,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,493.32
Your down payment$30,493.32
Closing costs + prepaids$9,002.23
Total buyer cash needed$39,495.55
Remaining funds due$39,495.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,079.00
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)$331.75
Prepaid interest, first (26 days)$366.48
Fees + prepaids$9,002.23
Your down payment is the seller’s equity. You take over the $177,407 balance, so the rest of the $207,900 price is paid at closing. A second mortgage can cover part of it. $39,495.55 is due at closing. Uses and sources reconcile at $216,902.23 each. Not a Closing Disclosure.