Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$90,874Cash toward the purchase price.
Closing costs + prepaids$8,971Not just lender fees.
Before credits & paid funds$99,845The complete starting cash picture.
Estimated remaining funds due at closing
$99,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,873.70
Your down payment$90,873.70
Closing costs + prepaids$8,971.40
Total buyer cash needed$99,845.11
Remaining funds due$99,845.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$296.75
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$219.65
Fees + prepaids$8,971.40
Your down payment is the seller’s equity. You take over the $114,126 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $99,845.11 is due at closing. Uses and sources reconcile at $213,971.40 each. Not a Closing Disclosure.