Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$12,369Cash toward the purchase price.
Closing costs + prepaids$11,311Not just lender fees.
Before credits & paid funds$23,680The complete starting cash picture.
Estimated remaining funds due at closing
$23,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,369.25
Your down payment$12,369.25
Closing costs + prepaids$11,310.73
Total buyer cash needed$23,679.98
Remaining funds due$23,679.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,079.99
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)$1,947.25
Prepaid interest, first (29 days)$1,058.49
Fees + prepaids$11,310.73
Your down payment is the seller’s equity. You take over the $195,630 balance, so the rest of the $207,999 price is paid at closing. A second mortgage can cover part of it. $23,679.98 is due at closing. Uses and sources reconcile at $219,309.73 each. Not a Closing Disclosure.