Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,702Cash toward the purchase price.
Closing costs + prepaids$9,566Not just lender fees.
Before credits & paid funds$25,268The complete starting cash picture.
Estimated remaining funds due at closing
$25,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,702.37
Your down payment$15,702.37
Closing costs + prepaids$9,566.05
Total buyer cash needed$25,268.42
Remaining funds due$25,268.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$336.75
Prepaid interest, first (30 days)$1,004.30
Fees + prepaids$9,566.05
Your down payment is the seller’s equity. You take over the $184,298 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $25,268.42 is due at closing. Uses and sources reconcile at $209,566.05 each. Not a Closing Disclosure.