Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,371Cash toward the purchase price.
Closing costs + prepaids$8,966Not just lender fees.
Before credits & paid funds$46,337The complete starting cash picture.
Estimated remaining funds due at closing
$46,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,370.69
Your down payment$37,370.69
Closing costs + prepaids$8,966.33
Total buyer cash needed$46,337.02
Remaining funds due$46,337.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$424.50
Prepaid interest, first (2 days)$66.83
Fees + prepaids$8,966.33
Your down payment is the seller’s equity. You take over the $187,629 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $46,337.02 is due at closing. Uses and sources reconcile at $233,966.33 each. Not a Closing Disclosure.