Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$92,443Cash toward the purchase price.
Closing costs + prepaids$8,650Not just lender fees.
Before credits & paid funds$101,093The complete starting cash picture.
Estimated remaining funds due at closing
$101,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,442.51
Your down payment$92,442.51
Closing costs + prepaids$8,650.46
Total buyer cash needed$101,092.97
Remaining funds due$101,092.97
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 (1 days)$13.21
Fees + prepaids$8,650.46
Your down payment is the seller’s equity. You take over the $132,457 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $101,092.97 is due at closing. Uses and sources reconcile at $233,550.46 each. Not a Closing Disclosure.