Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,267Cash toward the purchase price.
Closing costs + prepaids$9,223Not just lender fees.
Before credits & paid funds$100,491The complete starting cash picture.
Estimated remaining funds due at closing
$100,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,267.34
Your down payment$91,267.34
Closing costs + prepaids$9,223.23
Total buyer cash needed$100,490.57
Remaining funds due$100,490.57
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)$553.25
Prepaid interest, first (23 days)$244.98
Fees + prepaids$9,223.23
Your down payment is the seller’s equity. You take over the $128,733 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $100,490.57 is due at closing. Uses and sources reconcile at $229,223.23 each. Not a Closing Disclosure.