Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$12,840Cash toward the purchase price.
Closing costs + prepaids$9,910Not just lender fees.
Before credits & paid funds$22,749The complete starting cash picture.
Estimated remaining funds due at closing
$22,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,839.55
Your down payment$12,839.55
Closing costs + prepaids$9,909.71
Total buyer cash needed$22,749.26
Remaining funds due$22,749.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,280.00
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)$512.00
Prepaid interest, first (24 days)$892.71
Fees + prepaids$9,909.71
Your down payment is the seller’s equity. You take over the $215,160 balance, so the rest of the $228,000 price is paid at closing. A second mortgage can cover part of it. $22,749.26 is due at closing. Uses and sources reconcile at $237,909.71 each. Not a Closing Disclosure.