Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,434Cash toward the purchase price.
Closing costs + prepaids$9,208Not just lender fees.
Before credits & paid funds$50,642The complete starting cash picture.
Estimated remaining funds due at closing
$50,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,434.49
Your down payment$41,434.49
Closing costs + prepaids$9,207.87
Total buyer cash needed$50,642.36
Remaining funds due$50,642.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$370.00
Prepaid interest, first (31 days)$462.87
Fees + prepaids$9,207.87
Your down payment is the seller’s equity. You take over the $173,566 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $50,642.36 is due at closing. Uses and sources reconcile at $224,207.87 each. Not a Closing Disclosure.