Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$25,732Cash toward the purchase price.
Closing costs + prepaids$9,388Not just lender fees.
Before credits & paid funds$35,119The complete starting cash picture.
Estimated remaining funds due at closing
$35,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,731.79
Your down payment$25,731.79
Closing costs + prepaids$9,387.69
Total buyer cash needed$35,119.48
Remaining funds due$35,119.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$273.75
Prepaid interest, first (16 days)$698.94
Fees + prepaids$9,387.69
Your down payment is the seller’s equity. You take over the $193,268 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $35,119.48 is due at closing. Uses and sources reconcile at $228,387.69 each. Not a Closing Disclosure.