Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$8,978Cash toward the purchase price.
Closing costs + prepaids$10,124Not just lender fees.
Before credits & paid funds$19,102The complete starting cash picture.
Estimated remaining funds due at closing
$19,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,978.23
Your down payment$8,978.23
Closing costs + prepaids$10,124.25
Total buyer cash needed$19,102.49
Remaining funds due$19,102.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$651.50
Prepaid interest, first (25 days)$948.75
Fees + prepaids$10,124.25
Your down payment is the seller’s equity. You take over the $220,922 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $19,102.49 is due at closing. Uses and sources reconcile at $240,024.25 each. Not a Closing Disclosure.