Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$105,359Cash toward the purchase price.
Closing costs + prepaids$9,051Not just lender fees.
Before credits & paid funds$114,409The complete starting cash picture.
Estimated remaining funds due at closing
$114,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,358.58
Your down payment$105,358.58
Closing costs + prepaids$9,050.80
Total buyer cash needed$114,409.38
Remaining funds due$114,409.38
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 (17 days)$350.80
Fees + prepaids$9,050.80
Your down payment is the seller’s equity. You take over the $114,641 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $114,409.38 is due at closing. Uses and sources reconcile at $229,050.80 each. Not a Closing Disclosure.