Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$30,676Cash toward the purchase price.
Closing costs + prepaids$9,115Not just lender fees.
Before credits & paid funds$39,791The complete starting cash picture.
Estimated remaining funds due at closing
$39,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,676.18
Your down payment$30,676.18
Closing costs + prepaids$9,114.96
Total buyer cash needed$39,791.13
Remaining funds due$39,791.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$262.50
Prepaid interest, first (16 days)$527.46
Fees + prepaids$9,114.96
Your down payment is the seller’s equity. You take over the $179,324 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $39,791.13 is due at closing. Uses and sources reconcile at $219,114.96 each. Not a Closing Disclosure.