Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$47,147Cash toward the purchase price.
Closing costs + prepaids$9,636Not just lender fees.
Before credits & paid funds$56,783The complete starting cash picture.
Estimated remaining funds due at closing
$56,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,147.21
Your down payment$47,147.21
Closing costs + prepaids$9,636.18
Total buyer cash needed$56,783.39
Remaining funds due$56,783.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$177.25
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$814.93
Fees + prepaids$9,636.18
Your down payment is the seller’s equity. You take over the $182,753 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $56,783.39 is due at closing. Uses and sources reconcile at $239,536.18 each. Not a Closing Disclosure.