Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$37,641Cash toward the purchase price.
Closing costs + prepaids$9,481Not just lender fees.
Before credits & paid funds$47,122The complete starting cash picture.
Estimated remaining funds due at closing
$47,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,640.83
Your down payment$37,640.83
Closing costs + prepaids$9,481.10
Total buyer cash needed$47,121.93
Remaining funds due$47,121.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,275.00
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)$284.50
Prepaid interest, first (18 days)$696.60
Fees + prepaids$9,481.10
Your down payment is the seller’s equity. You take over the $189,859 balance, so the rest of the $227,500 price is paid at closing. A second mortgage can cover part of it. $47,121.93 is due at closing. Uses and sources reconcile at $236,981.10 each. Not a Closing Disclosure.