Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,396Cash toward the purchase price.
Closing costs + prepaids$9,495Not just lender fees.
Before credits & paid funds$57,891The complete starting cash picture.
Estimated remaining funds due at closing
$57,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,395.75
Your down payment$48,395.75
Closing costs + prepaids$9,494.95
Total buyer cash needed$57,890.70
Remaining funds due$57,890.70
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)$226.50
Prepaid interest, first (26 days)$843.45
Fees + prepaids$9,494.95
Your down payment is the seller’s equity. You take over the $171,604 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $57,890.70 is due at closing. Uses and sources reconcile at $229,494.95 each. Not a Closing Disclosure.