Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,974Cash toward the purchase price.
Closing costs + prepaids$8,214Not just lender fees.
Before credits & paid funds$30,188The complete starting cash picture.
Estimated remaining funds due at closing
$30,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,974.01
Your down payment$21,974.01
Closing costs + prepaids$8,213.51
Total buyer cash needed$30,187.53
Remaining funds due$30,187.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,881.00
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)$80.75
Prepaid interest, first (2 days)$26.76
Fees + prepaids$8,213.51
Your down payment is the seller’s equity. You take over the $166,126 balance, so the rest of the $188,100 price is paid at closing. A second mortgage can cover part of it. $30,187.53 is due at closing. Uses and sources reconcile at $196,313.51 each. Not a Closing Disclosure.