Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,382Cash toward the purchase price.
Closing costs + prepaids$10,296Not just lender fees.
Before credits & paid funds$84,678The complete starting cash picture.
Estimated remaining funds due at closing
$84,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,381.63
Your down payment$74,381.63
Closing costs + prepaids$10,296.04
Total buyer cash needed$84,677.67
Remaining funds due$84,677.67
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)$418.00
Initial HOA (3 months)$1,140.00
Prepaid interest, first (24 days)$364.04
Fees + prepaids$10,296.04
Your down payment is the seller’s equity. You take over the $140,518 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $84,677.67 is due at closing. Uses and sources reconcile at $225,196.04 each. Not a Closing Disclosure.