Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,245Cash toward the purchase price.
Closing costs + prepaids$9,755Not just lender fees.
Before credits & paid funds$43,001The complete starting cash picture.
Estimated remaining funds due at closing
$43,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,245.41
Your down payment$33,245.41
Closing costs + prepaids$9,755.23
Total buyer cash needed$43,000.64
Remaining funds due$43,000.64
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)$553.00
Prepaid interest, first (31 days)$977.23
Fees + prepaids$9,755.23
Your down payment is the seller’s equity. You take over the $166,755 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $43,000.64 is due at closing. Uses and sources reconcile at $209,755.23 each. Not a Closing Disclosure.