Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,966Cash toward the purchase price.
Closing costs + prepaids$9,475Not just lender fees.
Before credits & paid funds$47,440The complete starting cash picture.
Estimated remaining funds due at closing
$47,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,965.59
Your down payment$37,965.59
Closing costs + prepaids$9,474.74
Total buyer cash needed$47,440.33
Remaining funds due$47,440.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$147.75
Prepaid interest, first (28 days)$902.99
Fees + prepaids$9,474.74
Your down payment is the seller’s equity. You take over the $181,934 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $47,440.33 is due at closing. Uses and sources reconcile at $229,374.74 each. Not a Closing Disclosure.