Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$138,293Cash toward the purchase price.
Closing costs + prepaids$10,751Not just lender fees.
Before credits & paid funds$149,044The complete starting cash picture.
Estimated remaining funds due at closing
$149,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,293.10
Your down payment$138,293.10
Closing costs + prepaids$10,751.37
Total buyer cash needed$149,044.47
Remaining funds due$149,044.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$1,049.75
Initial HOA (3 months)$1,155.00
Prepaid interest, first (29 days)$221.62
Fees + prepaids$10,751.37
Your down payment is the seller’s equity. You take over the $71,707 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $149,044.47 is due at closing. Uses and sources reconcile at $220,751.37 each. Not a Closing Disclosure.