Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$30,493Cash toward the purchase price.
Closing costs + prepaids$8,723Not just lender fees.
Before credits & paid funds$39,216The complete starting cash picture.
Estimated remaining funds due at closing
$39,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,493.32
Your down payment$30,493.32
Closing costs + prepaids$8,722.64
Total buyer cash needed$39,215.97
Remaining funds due$39,215.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,079.00
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)$249.50
Prepaid interest, first (12 days)$169.14
Fees + prepaids$8,722.64
Your down payment is the seller’s equity. You take over the $177,407 balance, so the rest of the $207,900 price is paid at closing. A second mortgage can cover part of it. $39,215.97 is due at closing. Uses and sources reconcile at $216,622.64 each. Not a Closing Disclosure.