Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$41,917Cash toward the purchase price.
Closing costs + prepaids$9,256Not just lender fees.
Before credits & paid funds$51,173The complete starting cash picture.
Estimated remaining funds due at closing
$51,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,917.24
Your down payment$41,917.24
Closing costs + prepaids$9,256.22
Total buyer cash needed$51,173.46
Remaining funds due$51,173.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,130.00
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)$399.50
Prepaid interest, first (16 days)$501.72
Fees + prepaids$9,256.22
Your down payment is the seller’s equity. You take over the $171,083 balance, so the rest of the $213,000 price is paid at closing. A second mortgage can cover part of it. $51,173.46 is due at closing. Uses and sources reconcile at $222,256.22 each. Not a Closing Disclosure.