Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$89,839Cash toward the purchase price.
Closing costs + prepaids$9,253Not just lender fees.
Before credits & paid funds$99,092The complete starting cash picture.
Estimated remaining funds due at closing
$99,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,839.26
Your down payment$89,839.26
Closing costs + prepaids$9,252.64
Total buyer cash needed$99,091.90
Remaining funds due$99,091.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$607.50
Prepaid interest, first (26 days)$270.14
Fees + prepaids$9,252.64
Your down payment is the seller’s equity. You take over the $125,161 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $99,091.90 is due at closing. Uses and sources reconcile at $224,252.64 each. Not a Closing Disclosure.