Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$146,532Cash toward the purchase price.
Closing costs + prepaids$9,908Not just lender fees.
Before credits & paid funds$156,440The complete starting cash picture.
Estimated remaining funds due at closing
$156,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,532.36
Your down payment$146,532.36
Closing costs + prepaids$9,907.82
Total buyer cash needed$156,440.18
Remaining funds due$156,440.18
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)$1,275.00
Prepaid interest, first (25 days)$207.82
Fees + prepaids$9,907.82
Your down payment is the seller’s equity. You take over the $73,468 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $156,440.18 is due at closing. Uses and sources reconcile at $229,907.82 each. Not a Closing Disclosure.