Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$84,045Cash toward the purchase price.
Closing costs + prepaids$9,360Not just lender fees.
Before credits & paid funds$93,405The complete starting cash picture.
Estimated remaining funds due at closing
$93,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,044.59
Your down payment$84,044.59
Closing costs + prepaids$9,360.04
Total buyer cash needed$93,404.63
Remaining funds due$93,404.63
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)$122.75
Initial HOA (3 months)$597.00
Prepaid interest, first (20 days)$215.29
Fees + prepaids$9,360.04
Your down payment is the seller’s equity. You take over the $135,955 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $93,404.63 is due at closing. Uses and sources reconcile at $229,360.04 each. Not a Closing Disclosure.