Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$56,532Cash toward the purchase price.
Closing costs + prepaids$9,246Not just lender fees.
Before credits & paid funds$65,778The complete starting cash picture.
Estimated remaining funds due at closing
$65,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,532.29
Your down payment$56,532.29
Closing costs + prepaids$9,245.98
Total buyer cash needed$65,778.27
Remaining funds due$65,778.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,235.00
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)$279.50
Prepaid interest, first (16 days)$506.48
Fees + prepaids$9,245.98
Your down payment is the seller’s equity. You take over the $166,968 balance, so the rest of the $223,500 price is paid at closing. A second mortgage can cover part of it. $65,778.27 is due at closing. Uses and sources reconcile at $232,745.98 each. Not a Closing Disclosure.