Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$96,408Cash toward the purchase price.
Closing costs + prepaids$10,170Not just lender fees.
Before credits & paid funds$106,578The complete starting cash picture.
Estimated remaining funds due at closing
$106,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,408.13
Your down payment$96,408.13
Closing costs + prepaids$10,169.89
Total buyer cash needed$106,578.01
Remaining funds due$106,578.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$679.00
Initial HOA (3 months)$819.00
Prepaid interest, first (31 days)$297.89
Fees + prepaids$10,169.89
Your down payment is the seller’s equity. You take over the $118,492 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $106,578.01 is due at closing. Uses and sources reconcile at $225,069.89 each. Not a Closing Disclosure.