Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$136,273Cash toward the purchase price.
Closing costs + prepaids$10,228Not just lender fees.
Before credits & paid funds$146,502The complete starting cash picture.
Estimated remaining funds due at closing
$146,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,273.12
Your down payment$136,273.12
Closing costs + prepaids$10,228.46
Total buyer cash needed$146,501.59
Remaining funds due$146,501.59
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)$636.75
Initial HOA (3 months)$927.00
Prepaid interest, first (22 days)$239.71
Fees + prepaids$10,228.46
Your down payment is the seller’s equity. You take over the $83,727 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $146,501.59 is due at closing. Uses and sources reconcile at $230,228.46 each. Not a Closing Disclosure.