Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$36,043Cash toward the purchase price.
Closing costs + prepaids$9,662Not just lender fees.
Before credits & paid funds$45,705The complete starting cash picture.
Estimated remaining funds due at closing
$45,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,043.34
Your down payment$36,043.34
Closing costs + prepaids$9,662.15
Total buyer cash needed$45,705.49
Remaining funds due$45,705.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,345.00
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)$189.25
Prepaid interest, first (23 days)$902.90
Fees + prepaids$9,662.15
Your down payment is the seller’s equity. You take over the $198,457 balance, so the rest of the $234,500 price is paid at closing. A second mortgage can cover part of it. $45,705.49 is due at closing. Uses and sources reconcile at $244,162.15 each. Not a Closing Disclosure.