Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,085Cash toward the purchase price.
Closing costs + prepaids$10,261Not just lender fees.
Before credits & paid funds$119,346The complete starting cash picture.
Estimated remaining funds due at closing
$119,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,084.80
Your down payment$109,084.80
Closing costs + prepaids$10,261.41
Total buyer cash needed$119,346.21
Remaining funds due$119,346.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$603.50
Initial HOA (3 months)$960.00
Prepaid interest, first (26 days)$273.91
Fees + prepaids$10,261.41
Your down payment is the seller’s equity. You take over the $110,815 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $119,346.21 is due at closing. Uses and sources reconcile at $230,161.41 each. Not a Closing Disclosure.