Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$8,654Cash toward the purchase price.
Closing costs + prepaids$9,059Not just lender fees.
Before credits & paid funds$17,713The complete starting cash picture.
Estimated remaining funds due at closing
$17,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,654.09
Your down payment$8,654.09
Closing costs + prepaids$9,058.86
Total buyer cash needed$17,712.95
Remaining funds due$17,712.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$256.25
Prepaid interest, first (16 days)$527.61
Fees + prepaids$9,058.86
Your down payment is the seller’s equity. You take over the $196,346 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $17,712.95 is due at closing. Uses and sources reconcile at $214,058.86 each. Not a Closing Disclosure.