Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$40,223Cash toward the purchase price.
Closing costs + prepaids$9,479Not just lender fees.
Before credits & paid funds$49,702The complete starting cash picture.
Estimated remaining funds due at closing
$49,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,223.05
Your down payment$40,223.05
Closing costs + prepaids$9,478.92
Total buyer cash needed$49,701.97
Remaining funds due$49,701.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,229.00
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)$183.00
Prepaid interest, first (26 days)$841.92
Fees + prepaids$9,478.92
Your down payment is the seller’s equity. You take over the $182,677 balance, so the rest of the $222,900 price is paid at closing. A second mortgage can cover part of it. $49,701.97 is due at closing. Uses and sources reconcile at $232,378.92 each. Not a Closing Disclosure.