Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,883Cash toward the purchase price.
Closing costs + prepaids$8,973Not just lender fees.
Before credits & paid funds$38,856The complete starting cash picture.
Estimated remaining funds due at closing
$38,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,883.45
Your down payment$29,883.45
Closing costs + prepaids$8,972.97
Total buyer cash needed$38,856.43
Remaining funds due$38,856.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,080.00
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)$606.00
Prepaid interest, first (2 days)$61.97
Fees + prepaids$8,972.97
Your down payment is the seller’s equity. You take over the $178,117 balance, so the rest of the $208,000 price is paid at closing. A second mortgage can cover part of it. $38,856.43 is due at closing. Uses and sources reconcile at $216,972.97 each. Not a Closing Disclosure.