Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,224Cash toward the purchase price.
Closing costs + prepaids$10,061Not just lender fees.
Before credits & paid funds$119,284The complete starting cash picture.
Estimated remaining funds due at closing
$119,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,223.57
Your down payment$109,223.57
Closing costs + prepaids$10,060.53
Total buyer cash needed$119,284.10
Remaining funds due$119,284.10
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)$688.75
Initial HOA (3 months)$675.00
Prepaid interest, first (26 days)$272.78
Fees + prepaids$10,060.53
Your down payment is the seller’s equity. You take over the $110,676 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $119,284.10 is due at closing. Uses and sources reconcile at $229,960.53 each. Not a Closing Disclosure.