Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$38,181Cash toward the purchase price.
Closing costs + prepaids$9,005Not just lender fees.
Before credits & paid funds$47,186The complete starting cash picture.
Estimated remaining funds due at closing
$47,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,180.78
Your down payment$38,180.78
Closing costs + prepaids$9,004.84
Total buyer cash needed$47,185.61
Remaining funds due$47,185.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$250.00
Prepaid interest, first (17 days)$529.84
Fees + prepaids$9,004.84
Your down payment is the seller’s equity. You take over the $161,819 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $47,185.61 is due at closing. Uses and sources reconcile at $209,004.84 each. Not a Closing Disclosure.