Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$4,333Cash toward the purchase price.
Closing costs + prepaids$9,993Not just lender fees.
Before credits & paid funds$14,325The complete starting cash picture.
Estimated remaining funds due at closing
$14,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,332.58
Your down payment$4,332.58
Closing costs + prepaids$9,992.83
Total buyer cash needed$14,325.41
Remaining funds due$14,325.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$795.25
Prepaid interest, first (24 days)$722.58
Fees + prepaids$9,992.83
Your down payment is the seller’s equity. You take over the $220,667 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $14,325.41 is due at closing. Uses and sources reconcile at $234,992.83 each. Not a Closing Disclosure.