Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,974Cash toward the purchase price.
Closing costs + prepaids$10,043Not just lender fees.
Before credits & paid funds$149,017The complete starting cash picture.
Estimated remaining funds due at closing
$149,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,974.47
Your down payment$138,974.47
Closing costs + prepaids$10,042.81
Total buyer cash needed$149,017.28
Remaining funds due$149,017.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$592.00
Initial HOA (3 months)$1,068.00
Prepaid interest, first (1 days)$7.81
Fees + prepaids$10,042.81
Your down payment is the seller’s equity. You take over the $76,026 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $149,017.28 is due at closing. Uses and sources reconcile at $225,042.81 each. Not a Closing Disclosure.