Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,194Cash toward the purchase price.
Closing costs + prepaids$9,635Not just lender fees.
Before credits & paid funds$41,829The complete starting cash picture.
Estimated remaining funds due at closing
$41,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,193.84
Your down payment$32,193.84
Closing costs + prepaids$9,635.17
Total buyer cash needed$41,829.01
Remaining funds due$41,829.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$161.75
Prepaid interest, first (28 days)$949.42
Fees + prepaids$9,635.17
Your down payment is the seller’s equity. You take over the $197,706 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $41,829.01 is due at closing. Uses and sources reconcile at $239,535.17 each. Not a Closing Disclosure.