Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$32,644Cash toward the purchase price.
Closing costs + prepaids$8,851Not just lender fees.
Before credits & paid funds$41,495The complete starting cash picture.
Estimated remaining funds due at closing
$41,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,644.33
Your down payment$32,644.33
Closing costs + prepaids$8,850.88
Total buyer cash needed$41,495.21
Remaining funds due$41,495.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$284.75
Prepaid interest, first (20 days)$341.13
Fees + prepaids$8,850.88
Your down payment is the seller’s equity. You take over the $167,356 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $41,495.21 is due at closing. Uses and sources reconcile at $208,850.88 each. Not a Closing Disclosure.