Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,816Cash toward the purchase price.
Closing costs + prepaids$9,516Not just lender fees.
Before credits & paid funds$87,332The complete starting cash picture.
Estimated remaining funds due at closing
$87,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,816.35
Your down payment$77,816.35
Closing costs + prepaids$9,516.05
Total buyer cash needed$87,332.40
Remaining funds due$87,332.40
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)$272.75
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$753.30
Fees + prepaids$9,516.05
Your down payment is the seller’s equity. You take over the $132,184 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $87,332.40 is due at closing. Uses and sources reconcile at $219,516.05 each. Not a Closing Disclosure.