Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,367Cash toward the purchase price.
Closing costs + prepaids$9,930Not just lender fees.
Before credits & paid funds$64,297The complete starting cash picture.
Estimated remaining funds due at closing
$64,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,367.18
Your down payment$54,367.18
Closing costs + prepaids$9,929.74
Total buyer cash needed$64,296.91
Remaining funds due$64,296.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$515.75
Prepaid interest, first (31 days)$939.99
Fees + prepaids$9,929.74
Your down payment is the seller’s equity. You take over the $170,533 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $64,296.91 is due at closing. Uses and sources reconcile at $234,829.74 each. Not a Closing Disclosure.