Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,551Cash toward the purchase price.
Closing costs + prepaids$8,608Not just lender fees.
Before credits & paid funds$37,159The complete starting cash picture.
Estimated remaining funds due at closing
$37,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,551.21
Your down payment$28,551.21
Closing costs + prepaids$8,607.65
Total buyer cash needed$37,158.86
Remaining funds due$37,158.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$248.25
Prepaid interest, first (1 days)$34.40
Fees + prepaids$8,607.65
Your down payment is the seller’s equity. You take over the $181,449 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $37,158.86 is due at closing. Uses and sources reconcile at $218,607.65 each. Not a Closing Disclosure.