Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,280Cash toward the purchase price.
Closing costs + prepaids$9,904Not just lender fees.
Before credits & paid funds$54,184The complete starting cash picture.
Estimated remaining funds due at closing
$54,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,279.99
Your down payment$44,279.99
Closing costs + prepaids$9,904.31
Total buyer cash needed$54,184.29
Remaining funds due$54,184.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$511.75
Prepaid interest, first (30 days)$968.56
Fees + prepaids$9,904.31
Your down payment is the seller’s equity. You take over the $175,620 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $54,184.29 is due at closing. Uses and sources reconcile at $229,804.31 each. Not a Closing Disclosure.