Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$32,004Cash toward the purchase price.
Closing costs + prepaids$9,528Not just lender fees.
Before credits & paid funds$41,532The complete starting cash picture.
Estimated remaining funds due at closing
$41,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,003.77
Your down payment$32,003.77
Closing costs + prepaids$9,528.21
Total buyer cash needed$41,531.98
Remaining funds due$41,531.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$300.00
Prepaid interest, first (16 days)$604.21
Fees + prepaids$9,528.21
Your down payment is the seller’s equity. You take over the $207,896 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $41,531.98 is due at closing. Uses and sources reconcile at $249,428.21 each. Not a Closing Disclosure.