Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$91,824Cash toward the purchase price.
Closing costs + prepaids$10,068Not just lender fees.
Before credits & paid funds$101,892The complete starting cash picture.
Estimated remaining funds due at closing
$101,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,824.06
Your down payment$91,824.06
Closing costs + prepaids$10,068.18
Total buyer cash needed$101,892.24
Remaining funds due$101,892.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$825.25
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$417.93
Fees + prepaids$10,068.18
Your down payment is the seller’s equity. You take over the $138,176 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $101,892.24 is due at closing. Uses and sources reconcile at $240,068.18 each. Not a Closing Disclosure.