Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,767Cash toward the purchase price.
Closing costs + prepaids$9,456Not just lender fees.
Before credits & paid funds$42,223The complete starting cash picture.
Estimated remaining funds due at closing
$42,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,766.55
Your down payment$32,766.55
Closing costs + prepaids$9,456.46
Total buyer cash needed$42,223.01
Remaining funds due$42,223.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,320.00
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)$840.50
Prepaid interest, first (2 days)$70.96
Fees + prepaids$9,456.46
Your down payment is the seller’s equity. You take over the $199,233 balance, so the rest of the $232,000 price is paid at closing. A second mortgage can cover part of it. $42,223.01 is due at closing. Uses and sources reconcile at $241,456.46 each. Not a Closing Disclosure.