Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$80,729Cash toward the purchase price.
Closing costs + prepaids$9,050Not just lender fees.
Before credits & paid funds$89,779The complete starting cash picture.
Estimated remaining funds due at closing
$89,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,729.21
Your down payment$80,729.21
Closing costs + prepaids$9,050.10
Total buyer cash needed$89,779.32
Remaining funds due$89,779.32
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)$561.00
Prepaid interest, first (5 days)$64.10
Fees + prepaids$9,050.10
Your down payment is the seller’s equity. You take over the $139,271 balance, so the rest of the $220,000 price is paid at closing. A second mortgage can cover part of it. $89,779.32 is due at closing. Uses and sources reconcile at $229,050.10 each. Not a Closing Disclosure.