Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,468Cash toward the purchase price.
Closing costs + prepaids$9,231Not just lender fees.
Before credits & paid funds$35,699The complete starting cash picture.
Estimated remaining funds due at closing
$35,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,468.26
Your down payment$26,468.26
Closing costs + prepaids$9,230.80
Total buyer cash needed$35,699.06
Remaining funds due$35,699.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$107.25
Prepaid interest, first (28 days)$898.56
Fees + prepaids$9,230.80
Your down payment is the seller’s equity. You take over the $173,531 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $35,699.06 is due at closing. Uses and sources reconcile at $209,229.80 each. Not a Closing Disclosure.