Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$113,916Cash toward the purchase price.
Closing costs + prepaids$10,370Not just lender fees.
Before credits & paid funds$124,285The complete starting cash picture.
Estimated remaining funds due at closing
$124,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,915.83
Your down payment$113,915.83
Closing costs + prepaids$10,369.58
Total buyer cash needed$124,285.41
Remaining funds due$124,285.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$645.00
Initial HOA (3 months)$1,065.00
Prepaid interest, first (26 days)$285.58
Fees + prepaids$10,369.58
Your down payment is the seller’s equity. You take over the $100,984 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $124,285.41 is due at closing. Uses and sources reconcile at $225,269.58 each. Not a Closing Disclosure.