Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,905Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$46,481The complete starting cash picture.
Estimated remaining funds due at closing
$46,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,904.54
Your down payment$34,904.54
Closing costs + prepaids$11,576.47
Total buyer cash needed$46,481.01
Remaining funds due$46,481.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$1,544.50
Initial HOA (3 months)$1,200.00
Prepaid interest, first (23 days)$357.97
Fees + prepaids$11,576.47
Your down payment is the seller’s equity. You take over the $189,995 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $46,481.01 is due at closing. Uses and sources reconcile at $236,476.47 each. Not a Closing Disclosure.