Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$117,306Cash toward the purchase price.
Closing costs + prepaids$10,507Not just lender fees.
Before credits & paid funds$127,813The complete starting cash picture.
Estimated remaining funds due at closing
$127,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,305.61
Your down payment$117,305.61
Closing costs + prepaids$10,507.13
Total buyer cash needed$127,812.74
Remaining funds due$127,812.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$1,512.00
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$305.13
Fees + prepaids$10,507.13
Your down payment is the seller’s equity. You take over the $97,694 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $127,812.74 is due at closing. Uses and sources reconcile at $225,507.13 each. Not a Closing Disclosure.