Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$33,303Cash toward the purchase price.
Closing costs + prepaids$9,093Not just lender fees.
Before credits & paid funds$42,396The complete starting cash picture.
Estimated remaining funds due at closing
$42,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,302.86
Your down payment$33,302.86
Closing costs + prepaids$9,093.38
Total buyer cash needed$42,396.23
Remaining funds due$42,396.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,339.99
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)$292.50
Prepaid interest, first (15 days)$235.89
Fees + prepaids$9,093.38
Your down payment is the seller’s equity. You take over the $200,696 balance, so the rest of the $233,999 price is paid at closing. A second mortgage can cover part of it. $42,396.23 is due at closing. Uses and sources reconcile at $243,092.38 each. Not a Closing Disclosure.