Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$150,218Cash toward the purchase price.
Closing costs + prepaids$9,944Not just lender fees.
Before credits & paid funds$160,161The complete starting cash picture.
Estimated remaining funds due at closing
$160,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,217.52
Your down payment$150,217.52
Closing costs + prepaids$9,943.88
Total buyer cash needed$160,161.40
Remaining funds due$160,161.40
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)$1,256.00
Prepaid interest, first (25 days)$262.88
Fees + prepaids$9,943.88
Your down payment is the seller’s equity. You take over the $69,782 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $160,161.40 is due at closing. Uses and sources reconcile at $229,943.88 each. Not a Closing Disclosure.