Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,758Cash toward the purchase price.
Closing costs + prepaids$10,072Not just lender fees.
Before credits & paid funds$89,830The complete starting cash picture.
Estimated remaining funds due at closing
$89,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,758.15
Your down payment$79,758.15
Closing costs + prepaids$10,072.34
Total buyer cash needed$89,830.48
Remaining funds due$89,830.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$745.00
Initial HOA (3 months)$840.00
Prepaid interest, first (1 days)$12.34
Fees + prepaids$10,072.34
Your down payment is the seller’s equity. You take over the $145,242 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $89,830.48 is due at closing. Uses and sources reconcile at $235,072.34 each. Not a Closing Disclosure.