Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,739Cash toward the purchase price.
Closing costs + prepaids$9,713Not just lender fees.
Before credits & paid funds$55,453The complete starting cash picture.
Estimated remaining funds due at closing
$55,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,739.47
Your down payment$45,739.47
Closing costs + prepaids$9,713.25
Total buyer cash needed$55,452.71
Remaining funds due$55,452.71
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)$972.00
Prepaid interest, first (23 days)$316.25
Fees + prepaids$9,713.25
Your down payment is the seller’s equity. You take over the $174,261 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $55,452.71 is due at closing. Uses and sources reconcile at $229,713.25 each. Not a Closing Disclosure.