Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,072Cash toward the purchase price.
Closing costs + prepaids$9,557Not just lender fees.
Before credits & paid funds$45,629The complete starting cash picture.
Estimated remaining funds due at closing
$45,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,072.21
Your down payment$36,072.21
Closing costs + prepaids$9,556.59
Total buyer cash needed$45,628.79
Remaining funds due$45,628.79
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)$613.75
Prepaid interest, first (25 days)$468.84
Fees + prepaids$9,556.59
Your down payment is the seller’s equity. You take over the $188,828 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $45,628.79 is due at closing. Uses and sources reconcile at $234,456.59 each. Not a Closing Disclosure.