Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,316Cash toward the purchase price.
Closing costs + prepaids$9,670Not just lender fees.
Before credits & paid funds$84,985The complete starting cash picture.
Estimated remaining funds due at closing
$84,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,315.65
Your down payment$75,315.65
Closing costs + prepaids$9,669.64
Total buyer cash needed$84,985.30
Remaining funds due$84,985.30
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)$550.00
Prepaid interest, first (26 days)$694.64
Fees + prepaids$9,669.64
Your down payment is the seller’s equity. You take over the $144,684 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $84,985.30 is due at closing. Uses and sources reconcile at $229,669.64 each. Not a Closing Disclosure.