Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$112,244Cash toward the purchase price.
Closing costs + prepaids$9,181Not just lender fees.
Before credits & paid funds$121,425The complete starting cash picture.
Estimated remaining funds due at closing
$121,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,243.53
Your down payment$112,243.53
Closing costs + prepaids$9,181.24
Total buyer cash needed$121,424.77
Remaining funds due$121,424.77
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)$490.75
Prepaid interest, first (23 days)$265.49
Fees + prepaids$9,181.24
Your down payment is the seller’s equity. You take over the $107,756 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $121,424.77 is due at closing. Uses and sources reconcile at $229,181.24 each. Not a Closing Disclosure.