Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$49,533Cash toward the purchase price.
Closing costs + prepaids$9,614Not just lender fees.
Before credits & paid funds$59,147The complete starting cash picture.
Estimated remaining funds due at closing
$59,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,532.57
Your down payment$49,532.57
Closing costs + prepaids$9,614.18
Total buyer cash needed$59,146.75
Remaining funds due$59,146.75
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)$786.00
Prepaid interest, first (10 days)$139.18
Fees + prepaids$9,614.18
Your down payment is the seller’s equity. You take over the $170,467 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $59,146.75 is due at closing. Uses and sources reconcile at $229,614.18 each. Not a Closing Disclosure.