Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$49,828Cash toward the purchase price.
Closing costs + prepaids$9,697Not just lender fees.
Before credits & paid funds$59,525The complete starting cash picture.
Estimated remaining funds due at closing
$59,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,827.95
Your down payment$49,827.95
Closing costs + prepaids$9,696.66
Total buyer cash needed$59,524.61
Remaining funds due$59,524.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$547.50
Prepaid interest, first (24 days)$734.16
Fees + prepaids$9,696.66
Your down payment is the seller’s equity. You take over the $169,172 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $59,524.61 is due at closing. Uses and sources reconcile at $228,696.66 each. Not a Closing Disclosure.