Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$22,048Cash toward the purchase price.
Closing costs + prepaids$8,533Not just lender fees.
Before credits & paid funds$30,581The complete starting cash picture.
Estimated remaining funds due at closing
$30,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,047.96
Your down payment$22,047.96
Closing costs + prepaids$8,532.98
Total buyer cash needed$30,580.94
Remaining funds due$30,580.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,170.00
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)$71.00
Prepaid interest, first (2 days)$66.98
Fees + prepaids$8,532.98
Your down payment is the seller’s equity. You take over the $194,952 balance, so the rest of the $217,000 price is paid at closing. A second mortgage can cover part of it. $30,580.94 is due at closing. Uses and sources reconcile at $225,532.98 each. Not a Closing Disclosure.