Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$84,844Cash toward the purchase price.
Closing costs + prepaids$10,424Not just lender fees.
Before credits & paid funds$95,268The complete starting cash picture.
Estimated remaining funds due at closing
$95,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,844.25
Your down payment$84,844.25
Closing costs + prepaids$10,424.17
Total buyer cash needed$95,268.42
Remaining funds due$95,268.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.99
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)$815.00
Initial HOA (3 months)$600.00
Prepaid interest, first (25 days)$484.18
Fees + prepaids$10,424.17
Your down payment is the seller’s equity. You take over the $145,155 balance, so the rest of the $229,999 price is paid at closing. A second mortgage can cover part of it. $95,268.42 is due at closing. Uses and sources reconcile at $240,423.17 each. Not a Closing Disclosure.