Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,084Cash toward the purchase price.
Closing costs + prepaids$10,124Not just lender fees.
Before credits & paid funds$54,208The complete starting cash picture.
Estimated remaining funds due at closing
$54,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,083.73
Your down payment$44,083.73
Closing costs + prepaids$10,124.49
Total buyer cash needed$54,208.22
Remaining funds due$54,208.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,049.00
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)$549.50
Initial HOA (3 months)$804.00
Prepaid interest, first (30 days)$496.99
Fees + prepaids$10,124.49
Your down payment is the seller’s equity. You take over the $160,816 balance, so the rest of the $204,900 price is paid at closing. A second mortgage can cover part of it. $54,208.22 is due at closing. Uses and sources reconcile at $215,024.49 each. Not a Closing Disclosure.