Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$83,718Cash toward the purchase price.
Closing costs + prepaids$9,166Not just lender fees.
Before credits & paid funds$92,884The complete starting cash picture.
Estimated remaining funds due at closing
$92,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,717.70
Your down payment$83,717.70
Closing costs + prepaids$9,166.33
Total buyer cash needed$92,884.03
Remaining funds due$92,884.03
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 (2 days)$21.58
Fees + prepaids$9,166.33
Your down payment is the seller’s equity. You take over the $136,282 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $92,884.03 is due at closing. Uses and sources reconcile at $229,166.33 each. Not a Closing Disclosure.