Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$146,671Cash toward the purchase price.
Closing costs + prepaids$9,611Not just lender fees.
Before credits & paid funds$156,281The complete starting cash picture.
Estimated remaining funds due at closing
$156,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,670.83
Your down payment$146,670.83
Closing costs + prepaids$9,610.64
Total buyer cash needed$156,281.47
Remaining funds due$156,281.47
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)$697.75
Initial HOA (3 months)$375.00
Prepaid interest, first (30 days)$212.89
Fees + prepaids$9,610.64
Your down payment is the seller’s equity. You take over the $63,329 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $156,281.47 is due at closing. Uses and sources reconcile at $219,610.64 each. Not a Closing Disclosure.