Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$79,219Cash toward the purchase price.
Closing costs + prepaids$9,179Not just lender fees.
Before credits & paid funds$88,398The complete starting cash picture.
Estimated remaining funds due at closing
$88,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,219.36
Your down payment$79,219.36
Closing costs + prepaids$9,178.64
Total buyer cash needed$88,398.00
Remaining funds due$88,398.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$281.25
Prepaid interest, first (16 days)$423.39
Fees + prepaids$9,178.64
Your down payment is the seller’s equity. You take over the $145,681 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $88,398.00 is due at closing. Uses and sources reconcile at $234,078.64 each. Not a Closing Disclosure.