Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,751Cash toward the purchase price.
Closing costs + prepaids$9,708Not just lender fees.
Before credits & paid funds$42,459The complete starting cash picture.
Estimated remaining funds due at closing
$42,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,751.15
Your down payment$32,751.15
Closing costs + prepaids$9,707.89
Total buyer cash needed$42,459.04
Remaining funds due$42,459.04
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)$179.25
Initial HOA (3 months)$765.00
Prepaid interest, first (23 days)$338.64
Fees + prepaids$9,707.89
Your down payment is the seller’s equity. You take over the $187,249 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $42,459.04 is due at closing. Uses and sources reconcile at $229,707.89 each. Not a Closing Disclosure.