Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$33,704Cash toward the purchase price.
Closing costs + prepaids$9,142Not just lender fees.
Before credits & paid funds$42,846The complete starting cash picture.
Estimated remaining funds due at closing
$42,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,704.38
Your down payment$33,704.38
Closing costs + prepaids$9,141.54
Total buyer cash needed$42,845.92
Remaining funds due$42,845.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,089.00
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)$261.25
Prepaid interest, first (17 days)$566.29
Fees + prepaids$9,141.54
Your down payment is the seller’s equity. You take over the $175,196 balance, so the rest of the $208,900 price is paid at closing. A second mortgage can cover part of it. $42,845.92 is due at closing. Uses and sources reconcile at $218,041.54 each. Not a Closing Disclosure.