Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$27,057Cash toward the purchase price.
Closing costs + prepaids$9,115Not just lender fees.
Before credits & paid funds$36,172The complete starting cash picture.
Estimated remaining funds due at closing
$36,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,056.95
Your down payment$27,056.95
Closing costs + prepaids$9,115.20
Total buyer cash needed$36,172.15
Remaining funds due$36,172.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$373.25
Prepaid interest, first (17 days)$526.95
Fees + prepaids$9,115.20
Your down payment is the seller’s equity. You take over the $171,943 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $36,172.15 is due at closing. Uses and sources reconcile at $208,115.20 each. Not a Closing Disclosure.