Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$109,740Cash toward the purchase price.
Closing costs + prepaids$9,104Not just lender fees.
Before credits & paid funds$118,845The complete starting cash picture.
Estimated remaining funds due at closing
$118,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,740.33
Your down payment$109,740.33
Closing costs + prepaids$9,104.21
Total buyer cash needed$118,844.54
Remaining funds due$118,844.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$294.00
Initial HOA (3 months)$510.00
Prepaid interest, first (2 days)$25.21
Fees + prepaids$9,104.21
Your down payment is the seller’s equity. You take over the $95,260 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $118,844.54 is due at closing. Uses and sources reconcile at $214,104.21 each. Not a Closing Disclosure.