Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$107,690Cash toward the purchase price.
Closing costs + prepaids$10,390Not just lender fees.
Before credits & paid funds$118,080The complete starting cash picture.
Estimated remaining funds due at closing
$118,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,689.96
Your down payment$107,689.96
Closing costs + prepaids$10,390.36
Total buyer cash needed$118,080.31
Remaining funds due$118,080.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,949.00
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)$1,101.75
Initial HOA (3 months)$849.99
Prepaid interest, first (25 days)$264.62
Fees + prepaids$10,390.36
Your down payment is the seller’s equity. You take over the $87,210 balance, so the rest of the $194,900 price is paid at closing. A second mortgage can cover part of it. $118,080.31 is due at closing. Uses and sources reconcile at $205,290.36 each. Not a Closing Disclosure.