Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$105,359Cash toward the purchase price.
Closing costs + prepaids$9,183Not just lender fees.
Before credits & paid funds$114,541The complete starting cash picture.
Estimated remaining funds due at closing
$114,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,358.58
Your down payment$105,358.58
Closing costs + prepaids$9,182.91
Total buyer cash needed$114,541.49
Remaining funds due$114,541.49
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)$200.75
Prepaid interest, first (27 days)$557.16
Fees + prepaids$9,182.91
Your down payment is the seller’s equity. You take over the $114,641 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $114,541.49 is due at closing. Uses and sources reconcile at $229,182.91 each. Not a Closing Disclosure.