Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,899Cash toward the purchase price.
Closing costs + prepaids$9,873Not just lender fees.
Before credits & paid funds$43,772The complete starting cash picture.
Estimated remaining funds due at closing
$43,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,898.83
Your down payment$33,898.83
Closing costs + prepaids$9,873.44
Total buyer cash needed$43,772.27
Remaining funds due$43,772.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,369.00
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)$195.25
Prepaid interest, first (27 days)$1,084.19
Fees + prepaids$9,873.44
Your down payment is the seller’s equity. You take over the $203,001 balance, so the rest of the $236,900 price is paid at closing. A second mortgage can cover part of it. $43,772.27 is due at closing. Uses and sources reconcile at $246,773.44 each. Not a Closing Disclosure.