Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$40,223Cash toward the purchase price.
Closing costs + prepaids$9,251Not just lender fees.
Before credits & paid funds$49,474The complete starting cash picture.
Estimated remaining funds due at closing
$49,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,223.05
Your down payment$40,223.05
Closing costs + prepaids$9,250.85
Total buyer cash needed$49,473.90
Remaining funds due$49,473.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,229.00
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)$278.75
Prepaid interest, first (16 days)$518.10
Fees + prepaids$9,250.85
Your down payment is the seller’s equity. You take over the $182,677 balance, so the rest of the $222,900 price is paid at closing. A second mortgage can cover part of it. $49,473.90 is due at closing. Uses and sources reconcile at $232,150.85 each. Not a Closing Disclosure.