Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,283Cash toward the purchase price.
Closing costs + prepaids$10,463Not just lender fees.
Before credits & paid funds$96,746The complete starting cash picture.
Estimated remaining funds due at closing
$96,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,282.95
Your down payment$86,282.95
Closing costs + prepaids$10,462.56
Total buyer cash needed$96,745.50
Remaining funds due$96,745.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$979.25
Initial HOA (3 months)$756.00
Prepaid interest, first (23 days)$253.31
Fees + prepaids$10,462.56
Your down payment is the seller’s equity. You take over the $138,617 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $96,745.50 is due at closing. Uses and sources reconcile at $235,362.56 each. Not a Closing Disclosure.