Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$23,174Cash toward the purchase price.
Closing costs + prepaids$9,264Not just lender fees.
Before credits & paid funds$32,438The complete starting cash picture.
Estimated remaining funds due at closing
$32,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,174.34
Your down payment$23,174.34
Closing costs + prepaids$9,263.81
Total buyer cash needed$32,438.15
Remaining funds due$32,438.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,145.00
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)$268.25
Prepaid interest, first (17 days)$625.56
Fees + prepaids$9,263.81
Your down payment is the seller’s equity. You take over the $191,326 balance, so the rest of the $214,500 price is paid at closing. A second mortgage can cover part of it. $32,438.15 is due at closing. Uses and sources reconcile at $223,763.81 each. Not a Closing Disclosure.