Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,211Cash toward the purchase price.
Closing costs + prepaids$9,381Not just lender fees.
Before credits & paid funds$38,592The complete starting cash picture.
Estimated remaining funds due at closing
$38,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,211.01
Your down payment$29,211.01
Closing costs + prepaids$9,380.68
Total buyer cash needed$38,591.70
Remaining funds due$38,591.70
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)$150.50
Prepaid interest, first (25 days)$905.18
Fees + prepaids$9,380.68
Your down payment is the seller’s equity. You take over the $180,789 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $38,591.70 is due at closing. Uses and sources reconcile at $219,380.68 each. Not a Closing Disclosure.