Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,704Cash toward the purchase price.
Closing costs + prepaids$9,299Not just lender fees.
Before credits & paid funds$43,004The complete starting cash picture.
Estimated remaining funds due at closing
$43,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,704.38
Your down payment$33,704.38
Closing costs + prepaids$9,299.40
Total buyer cash needed$43,003.78
Remaining funds due$43,003.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,089.00
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)$86.00
Prepaid interest, first (27 days)$899.40
Fees + prepaids$9,299.40
Your down payment is the seller’s equity. You take over the $175,196 balance, so the rest of the $208,900 price is paid at closing. A second mortgage can cover part of it. $43,003.78 is due at closing. Uses and sources reconcile at $218,199.40 each. Not a Closing Disclosure.