Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$33,989Cash toward the purchase price.
Closing costs + prepaids$9,282Not just lender fees.
Before credits & paid funds$43,271The complete starting cash picture.
Estimated remaining funds due at closing
$43,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,988.87
Your down payment$33,988.87
Closing costs + prepaids$9,281.69
Total buyer cash needed$43,270.56
Remaining funds due$43,270.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,175.00
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)$272.00
Initial HOA (3 months)$375.00
Prepaid interest, first (12 days)$234.69
Fees + prepaids$9,281.69
Your down payment is the seller’s equity. You take over the $183,511 balance, so the rest of the $217,500 price is paid at closing. A second mortgage can cover part of it. $43,270.56 is due at closing. Uses and sources reconcile at $226,781.69 each. Not a Closing Disclosure.