Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$31,589Cash toward the purchase price.
Closing costs + prepaids$9,483Not just lender fees.
Before credits & paid funds$41,072The complete starting cash picture.
Estimated remaining funds due at closing
$41,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,588.85
Your down payment$31,588.85
Closing costs + prepaids$9,483.45
Total buyer cash needed$41,072.30
Remaining funds due$41,072.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,195.00
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)$138.00
Prepaid interest, first (28 days)$925.45
Fees + prepaids$9,483.45
Your down payment is the seller’s equity. You take over the $187,911 balance, so the rest of the $219,500 price is paid at closing. A second mortgage can cover part of it. $41,072.30 is due at closing. Uses and sources reconcile at $228,983.45 each. Not a Closing Disclosure.