Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,137Cash toward the purchase price.
Closing costs + prepaids$9,487Not just lender fees.
Before credits & paid funds$31,624The complete starting cash picture.
Estimated remaining funds due at closing
$31,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,137.08
Your down payment$22,137.08
Closing costs + prepaids$9,486.53
Total buyer cash needed$31,623.62
Remaining funds due$31,623.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$267.75
Prepaid interest, first (26 days)$894.78
Fees + prepaids$9,486.53
Your down payment is the seller’s equity. You take over the $187,763 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $31,623.62 is due at closing. Uses and sources reconcile at $219,386.53 each. Not a Closing Disclosure.