Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$37,128Cash toward the purchase price.
Closing costs + prepaids$9,567Not just lender fees.
Before credits & paid funds$46,695The complete starting cash picture.
Estimated remaining funds due at closing
$46,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,127.68
Your down payment$37,127.68
Closing costs + prepaids$9,567.18
Total buyer cash needed$46,694.86
Remaining funds due$46,694.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,375.00
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)$297.00
Prepaid interest, first (16 days)$670.18
Fees + prepaids$9,567.18
Your down payment is the seller’s equity. You take over the $200,372 balance, so the rest of the $237,500 price is paid at closing. A second mortgage can cover part of it. $46,694.86 is due at closing. Uses and sources reconcile at $247,067.18 each. Not a Closing Disclosure.