Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,162Cash toward the purchase price.
Closing costs + prepaids$9,614Not just lender fees.
Before credits & paid funds$41,776The complete starting cash picture.
Estimated remaining funds due at closing
$41,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,161.87
Your down payment$32,161.87
Closing costs + prepaids$9,613.64
Total buyer cash needed$41,775.51
Remaining funds due$41,775.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$234.75
Initial HOA (3 months)$165.00
Prepaid interest, first (24 days)$839.89
Fees + prepaids$9,613.64
Your down payment is the seller’s equity. You take over the $182,738 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $41,775.51 is due at closing. Uses and sources reconcile at $224,513.64 each. Not a Closing Disclosure.