Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,359Cash toward the purchase price.
Closing costs + prepaids$9,795Not just lender fees.
Before credits & paid funds$36,154The complete starting cash picture.
Estimated remaining funds due at closing
$36,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,359.10
Your down payment$26,359.10
Closing costs + prepaids$9,795.23
Total buyer cash needed$36,154.33
Remaining funds due$36,154.33
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)$624.00
Prepaid interest, first (26 days)$746.23
Fees + prepaids$9,795.23
Your down payment is the seller’s equity. You take over the $193,641 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $36,154.33 is due at closing. Uses and sources reconcile at $229,795.23 each. Not a Closing Disclosure.