Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,641Cash toward the purchase price.
Closing costs + prepaids$9,785Not just lender fees.
Before credits & paid funds$47,426The complete starting cash picture.
Estimated remaining funds due at closing
$47,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,640.83
Your down payment$37,640.83
Closing costs + prepaids$9,784.85
Total buyer cash needed$47,425.68
Remaining funds due$47,425.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,275.00
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)$201.25
Prepaid interest, first (28 days)$1,083.60
Fees + prepaids$9,784.85
Your down payment is the seller’s equity. You take over the $189,859 balance, so the rest of the $227,500 price is paid at closing. A second mortgage can cover part of it. $47,425.68 is due at closing. Uses and sources reconcile at $237,284.85 each. Not a Closing Disclosure.