Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,559Cash toward the purchase price.
Closing costs + prepaids$9,508Not just lender fees.
Before credits & paid funds$90,067The complete starting cash picture.
Estimated remaining funds due at closing
$90,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,558.85
Your down payment$80,558.85
Closing costs + prepaids$9,508.38
Total buyer cash needed$90,067.24
Remaining funds due$90,067.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$576.50
Initial HOA (3 months)$375.00
Prepaid interest, first (26 days)$281.88
Fees + prepaids$9,508.38
Your down payment is the seller’s equity. You take over the $124,441 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $90,067.24 is due at closing. Uses and sources reconcile at $214,508.38 each. Not a Closing Disclosure.