Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,844Cash toward the purchase price.
Closing costs + prepaids$9,140Not just lender fees.
Before credits & paid funds$191,984The complete starting cash picture.
Estimated remaining funds due at closing
$191,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,844.34
Your down payment$182,844.34
Closing costs + prepaids$9,139.64
Total buyer cash needed$191,983.98
Remaining funds due$191,983.98
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)$382.25
Initial HOA (3 months)$144.00
Prepaid interest, first (31 days)$188.39
Fees + prepaids$9,139.64
Your down payment is the seller’s equity. You take over the $37,156 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $191,983.98 is due at closing. Uses and sources reconcile at $229,139.64 each. Not a Closing Disclosure.