Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$102,214Cash toward the purchase price.
Closing costs + prepaids$9,463Not just lender fees.
Before credits & paid funds$111,677The complete starting cash picture.
Estimated remaining funds due at closing
$111,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,213.60
Your down payment$102,213.60
Closing costs + prepaids$9,462.96
Total buyer cash needed$111,676.56
Remaining funds due$111,676.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,074.98
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)$1,068.25
Initial HOA (3 months)$71.25
Prepaid interest, first (2 days)$23.48
Fees + prepaids$9,462.96
Your down payment is the seller’s equity. You take over the $105,284 balance, so the rest of the $207,498 price is paid at closing. A second mortgage can cover part of it. $111,676.56 is due at closing. Uses and sources reconcile at $216,960.96 each. Not a Closing Disclosure.