Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$92,743Cash toward the purchase price.
Closing costs + prepaids$8,888Not just lender fees.
Before credits & paid funds$101,631The complete starting cash picture.
Estimated remaining funds due at closing
$101,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,743.45
Your down payment$92,743.45
Closing costs + prepaids$8,887.66
Total buyer cash needed$101,631.11
Remaining funds due$101,631.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$163.25
Prepaid interest, first (19 days)$250.41
Fees + prepaids$8,887.66
Your down payment is the seller’s equity. You take over the $132,157 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $101,631.11 is due at closing. Uses and sources reconcile at $233,787.66 each. Not a Closing Disclosure.