Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$119,901Cash toward the purchase price.
Closing costs + prepaids$9,515Not just lender fees.
Before credits & paid funds$129,416The complete starting cash picture.
Estimated remaining funds due at closing
$129,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,900.71
Your down payment$119,900.71
Closing costs + prepaids$9,514.85
Total buyer cash needed$129,415.56
Remaining funds due$129,415.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$393.75
Initial HOA (3 months)$570.00
Prepaid interest, first (26 days)$236.10
Fees + prepaids$9,514.85
Your down payment is the seller’s equity. You take over the $89,099 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $129,415.56 is due at closing. Uses and sources reconcile at $218,514.85 each. Not a Closing Disclosure.