Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$27,657Cash toward the purchase price.
Closing costs + prepaids$9,050Not just lender fees.
Before credits & paid funds$36,707The complete starting cash picture.
Estimated remaining funds due at closing
$36,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,656.77
Your down payment$27,656.77
Closing costs + prepaids$9,049.73
Total buyer cash needed$36,706.50
Remaining funds due$36,706.50
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
Prepaid interest, first (5 days)$190.48
Fees + prepaids$9,049.73
Your down payment is the seller’s equity. You take over the $182,243 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $36,706.50 is due at closing. Uses and sources reconcile at $218,949.73 each. Not a Closing Disclosure.