Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,855Cash toward the purchase price.
Closing costs + prepaids$9,727Not just lender fees.
Before credits & paid funds$47,582The complete starting cash picture.
Estimated remaining funds due at closing
$47,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,854.80
Your down payment$37,854.80
Closing costs + prepaids$9,726.76
Total buyer cash needed$47,581.56
Remaining funds due$47,581.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,198.00
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)$212.25
Initial HOA (3 months)$1,062.00
Prepaid interest, first (2 days)$29.51
Fees + prepaids$9,726.76
Your down payment is the seller’s equity. You take over the $181,945 balance, so the rest of the $219,800 price is paid at closing. A second mortgage can cover part of it. $47,581.56 is due at closing. Uses and sources reconcile at $229,526.76 each. Not a Closing Disclosure.