Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$222,500Cash toward the purchase price.
Closing costs + prepaids$11,496Not just lender fees.
Before credits & paid funds$233,996The complete starting cash picture.
Estimated remaining funds due at closing
$233,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,500.12
Your down payment$222,500.12
Closing costs + prepaids$11,495.79
Total buyer cash needed$233,995.91
Remaining funds due$233,995.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,475.00
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)$312.50
Prepaid interest, first (28 days)$483.29
Fees + prepaids$11,495.79
Your down payment is the seller’s equity. You take over the $225,000 balance, so the rest of the $447,500 price is paid at closing. A second mortgage can cover part of it. $233,995.91 is due at closing. Uses and sources reconcile at $458,995.79 each. Not a Closing Disclosure.