Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$36,164Cash toward the purchase price.
Closing costs + prepaids$9,413Not just lender fees.
Before credits & paid funds$45,577The complete starting cash picture.
Estimated remaining funds due at closing
$45,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,163.87
Your down payment$36,163.87
Closing costs + prepaids$9,412.91
Total buyer cash needed$45,576.77
Remaining funds due$45,576.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$977.50
Prepaid interest, first (2 days)$61.41
Fees + prepaids$9,412.91
Your down payment is the seller’s equity. You take over the $178,736 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $45,576.77 is due at closing. Uses and sources reconcile at $224,312.91 each. Not a Closing Disclosure.