Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,098Cash toward the purchase price.
Closing costs + prepaids$8,828Not just lender fees.
Before credits & paid funds$37,926The complete starting cash picture.
Estimated remaining funds due at closing
$37,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,098.29
Your down payment$29,098.29
Closing costs + prepaids$8,828.00
Total buyer cash needed$37,926.29
Remaining funds due$37,926.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,070.00
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)$502.00
Prepaid interest, first (1 days)$31.00
Fees + prepaids$8,828.00
Your down payment is the seller’s equity. You take over the $177,902 balance, so the rest of the $207,000 price is paid at closing. A second mortgage can cover part of it. $37,926.29 is due at closing. Uses and sources reconcile at $215,828.00 each. Not a Closing Disclosure.