Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,917Cash toward the purchase price.
Closing costs + prepaids$10,846Not just lender fees.
Before credits & paid funds$41,763The complete starting cash picture.
Estimated remaining funds due at closing
$41,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,917.20
Your down payment$30,917.20
Closing costs + prepaids$10,845.55
Total buyer cash needed$41,762.74
Remaining funds due$41,762.74
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)$1,225.75
Prepaid interest, first (31 days)$1,194.80
Fees + prepaids$10,845.55
Your down payment is the seller’s equity. You take over the $189,083 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $41,762.74 is due at closing. Uses and sources reconcile at $230,845.55 each. Not a Closing Disclosure.