Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$38,914Cash toward the purchase price.
Closing costs + prepaids$10,097Not just lender fees.
Before credits & paid funds$49,011The complete starting cash picture.
Estimated remaining funds due at closing
$49,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,913.86
Your down payment$38,913.86
Closing costs + prepaids$10,096.71
Total buyer cash needed$49,010.57
Remaining funds due$49,010.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$535.25
Initial HOA (3 months)$1,170.00
Prepaid interest, first (5 days)$67.46
Fees + prepaids$10,096.71
Your down payment is the seller’s equity. You take over the $170,986 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $49,010.57 is due at closing. Uses and sources reconcile at $219,996.71 each. Not a Closing Disclosure.