Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$34,908Cash toward the purchase price.
Closing costs + prepaids$9,261Not just lender fees.
Before credits & paid funds$44,169The complete starting cash picture.
Estimated remaining funds due at closing
$44,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,908.22
Your down payment$34,908.22
Closing costs + prepaids$9,260.61
Total buyer cash needed$44,168.84
Remaining funds due$44,168.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,230.00
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)$526.86
Fees + prepaids$9,260.61
Your down payment is the seller’s equity. You take over the $188,092 balance, so the rest of the $223,000 price is paid at closing. A second mortgage can cover part of it. $44,168.84 is due at closing. Uses and sources reconcile at $232,260.61 each. Not a Closing Disclosure.