Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$78,573Cash toward the purchase price.
Closing costs + prepaids$10,484Not just lender fees.
Before credits & paid funds$89,057The complete starting cash picture.
Estimated remaining funds due at closing
$89,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,573.08
Your down payment$78,573.08
Closing costs + prepaids$10,484.23
Total buyer cash needed$89,057.31
Remaining funds due$89,057.31
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)$1,570.50
Prepaid interest, first (31 days)$489.73
Fees + prepaids$10,484.23
Your down payment is the seller’s equity. You take over the $141,327 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $89,057.31 is due at closing. Uses and sources reconcile at $230,384.23 each. Not a Closing Disclosure.