Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,527Cash toward the purchase price.
Closing costs + prepaids$10,032Not just lender fees.
Before credits & paid funds$28,559The complete starting cash picture.
Estimated remaining funds due at closing
$28,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,526.90
Your down payment$18,526.90
Closing costs + prepaids$10,032.40
Total buyer cash needed$28,559.30
Remaining funds due$28,559.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,144.00
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)$622.00
Prepaid interest, first (31 days)$1,041.40
Fees + prepaids$10,032.40
Your down payment is the seller’s equity. You take over the $195,873 balance, so the rest of the $214,400 price is paid at closing. A second mortgage can cover part of it. $28,559.30 is due at closing. Uses and sources reconcile at $224,432.40 each. Not a Closing Disclosure.