Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$81,589Cash toward the purchase price.
Closing costs + prepaids$11,848Not just lender fees.
Before credits & paid funds$93,437The complete starting cash picture.
Estimated remaining funds due at closing
$93,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,588.56
Your down payment$81,588.56
Closing costs + prepaids$11,848.29
Total buyer cash needed$93,436.85
Remaining funds due$93,436.85
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)$925.00
Initial HOA (3 months)$1,785.00
Prepaid interest, first (30 days)$713.29
Fees + prepaids$11,848.29
Your down payment is the seller’s equity. You take over the $138,411 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $93,436.85 is due at closing. Uses and sources reconcile at $231,848.29 each. Not a Closing Disclosure.