Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$32,786Cash toward the purchase price.
Closing costs + prepaids$9,022Not just lender fees.
Before credits & paid funds$41,807The complete starting cash picture.
Estimated remaining funds due at closing
$41,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,785.64
Your down payment$32,785.64
Closing costs + prepaids$9,021.63
Total buyer cash needed$41,807.27
Remaining funds due$41,807.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$218.25
Prepaid interest, first (21 days)$329.38
Fees + prepaids$9,021.63
Your down payment is the seller’s equity. You take over the $192,114 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $41,807.27 is due at closing. Uses and sources reconcile at $233,921.63 each. Not a Closing Disclosure.