Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,255Cash toward the purchase price.
Closing costs + prepaids$10,287Not just lender fees.
Before credits & paid funds$140,542The complete starting cash picture.
Estimated remaining funds due at closing
$140,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,255.00
Your down payment$130,255.00
Closing costs + prepaids$10,286.56
Total buyer cash needed$140,541.56
Remaining funds due$140,541.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,235.00
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)$1,446.00
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$305.56
Fees + prepaids$10,286.56
Your down payment is the seller’s equity. You take over the $93,245 balance, so the rest of the $223,500 price is paid at closing. A second mortgage can cover part of it. $140,541.56 is due at closing. Uses and sources reconcile at $233,786.56 each. Not a Closing Disclosure.