Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$117,671Cash toward the purchase price.
Closing costs + prepaids$10,178Not just lender fees.
Before credits & paid funds$127,850The complete starting cash picture.
Estimated remaining funds due at closing
$127,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,671.33
Your down payment$117,671.33
Closing costs + prepaids$10,178.34
Total buyer cash needed$127,849.68
Remaining funds due$127,849.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.00
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)$664.75
Initial HOA (3 months)$537.00
Prepaid interest, first (26 days)$502.59
Fees + prepaids$10,178.34
Your down payment is the seller’s equity. You take over the $107,229 balance, so the rest of the $224,900 price is paid at closing. A second mortgage can cover part of it. $127,849.68 is due at closing. Uses and sources reconcile at $235,078.34 each. Not a Closing Disclosure.