Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$36,343Cash toward the purchase price.
Closing costs + prepaids$9,374Not just lender fees.
Before credits & paid funds$45,717The complete starting cash picture.
Estimated remaining funds due at closing
$45,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,342.99
Your down payment$36,342.99
Closing costs + prepaids$9,373.85
Total buyer cash needed$45,716.84
Remaining funds due$45,716.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,200.00
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)$275.00
Prepaid interest, first (18 days)$673.85
Fees + prepaids$9,373.85
Your down payment is the seller’s equity. You take over the $183,657 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $45,716.84 is due at closing. Uses and sources reconcile at $229,373.85 each. Not a Closing Disclosure.