Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,038Cash toward the purchase price.
Closing costs + prepaids$9,150Not just lender fees.
Before credits & paid funds$145,188The complete starting cash picture.
Estimated remaining funds due at closing
$145,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,038.16
Your down payment$136,038.16
Closing costs + prepaids$9,150.26
Total buyer cash needed$145,188.42
Remaining funds due$145,188.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$525.00
Prepaid interest, first (31 days)$300.26
Fees + prepaids$9,150.26
Your down payment is the seller’s equity. You take over the $73,962 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $145,188.42 is due at closing. Uses and sources reconcile at $219,150.26 each. Not a Closing Disclosure.