Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$22,054Cash toward the purchase price.
Closing costs + prepaids$9,016Not just lender fees.
Before credits & paid funds$31,070The complete starting cash picture.
Estimated remaining funds due at closing
$31,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,053.62
Your down payment$22,053.62
Closing costs + prepaids$9,016.49
Total buyer cash needed$31,070.10
Remaining funds due$31,070.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,360.00
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)$283.25
Prepaid interest, first (9 days)$148.24
Fees + prepaids$9,016.49
Your down payment is the seller’s equity. You take over the $213,946 balance, so the rest of the $236,000 price is paid at closing. A second mortgage can cover part of it. $31,070.10 is due at closing. Uses and sources reconcile at $245,016.49 each. Not a Closing Disclosure.