Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$84,045Cash toward the purchase price.
Closing costs + prepaids$9,383Not just lender fees.
Before credits & paid funds$93,427The complete starting cash picture.
Estimated remaining funds due at closing
$93,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,044.59
Your down payment$84,044.59
Closing costs + prepaids$9,382.88
Total buyer cash needed$93,427.47
Remaining funds due$93,427.47
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)$264.00
Initial HOA (3 months)$597.00
Prepaid interest, first (9 days)$96.88
Fees + prepaids$9,382.88
Your down payment is the seller’s equity. You take over the $135,955 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $93,427.47 is due at closing. Uses and sources reconcile at $229,382.88 each. Not a Closing Disclosure.