Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,917Cash toward the purchase price.
Closing costs + prepaids$9,644Not just lender fees.
Before credits & paid funds$38,561The complete starting cash picture.
Estimated remaining funds due at closing
$38,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,916.88
Your down payment$28,916.88
Closing costs + prepaids$9,644.29
Total buyer cash needed$38,561.17
Remaining funds due$38,561.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$391.00
Prepaid interest, first (27 days)$928.29
Fees + prepaids$9,644.29
Your down payment is the seller’s equity. You take over the $181,083 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $38,561.17 is due at closing. Uses and sources reconcile at $219,644.29 each. Not a Closing Disclosure.