Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,939Cash toward the purchase price.
Closing costs + prepaids$9,108Not just lender fees.
Before credits & paid funds$38,047The complete starting cash picture.
Estimated remaining funds due at closing
$38,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,938.85
Your down payment$28,938.85
Closing costs + prepaids$9,107.90
Total buyer cash needed$38,046.75
Remaining funds due$38,046.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$725.50
Prepaid interest, first (2 days)$58.40
Fees + prepaids$9,107.90
Your down payment is the seller’s equity. You take over the $180,961 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $38,046.75 is due at closing. Uses and sources reconcile at $219,007.90 each. Not a Closing Disclosure.