Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$107,399Cash toward the purchase price.
Closing costs + prepaids$9,164Not just lender fees.
Before credits & paid funds$116,563The complete starting cash picture.
Estimated remaining funds due at closing
$116,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,398.89
Your down payment$107,398.89
Closing costs + prepaids$9,163.82
Total buyer cash needed$116,562.70
Remaining funds due$116,562.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$293.75
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$215.07
Fees + prepaids$9,163.82
Your down payment is the seller’s equity. You take over the $117,601 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $116,562.70 is due at closing. Uses and sources reconcile at $234,163.82 each. Not a Closing Disclosure.