Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$83,664Cash toward the purchase price.
Closing costs + prepaids$10,843Not just lender fees.
Before credits & paid funds$94,507The complete starting cash picture.
Estimated remaining funds due at closing
$94,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,663.99
Your down payment$83,663.99
Closing costs + prepaids$10,843.50
Total buyer cash needed$94,507.49
Remaining funds due$94,507.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$1,381.00
Initial HOA (3 months)$738.00
Prepaid interest, first (29 days)$399.50
Fees + prepaids$10,843.50
Your down payment is the seller’s equity. You take over the $126,336 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $94,507.49 is due at closing. Uses and sources reconcile at $220,843.50 each. Not a Closing Disclosure.