Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,772Cash toward the purchase price.
Closing costs + prepaids$9,666Not just lender fees.
Before credits & paid funds$23,438The complete starting cash picture.
Estimated remaining funds due at closing
$23,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,772.17
Your down payment$13,772.17
Closing costs + prepaids$9,665.52
Total buyer cash needed$23,437.69
Remaining funds due$23,437.69
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)$138.75
Prepaid interest, first (30 days)$1,101.77
Fees + prepaids$9,665.52
Your down payment is the seller’s equity. You take over the $206,228 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $23,437.69 is due at closing. Uses and sources reconcile at $229,665.52 each. Not a Closing Disclosure.