Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$121,444Cash toward the purchase price.
Closing costs + prepaids$10,364Not just lender fees.
Before credits & paid funds$131,808The complete starting cash picture.
Estimated remaining funds due at closing
$131,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,444.45
Your down payment$121,444.45
Closing costs + prepaids$10,363.95
Total buyer cash needed$131,808.40
Remaining funds due$131,808.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,219.00
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)$925.00
Initial HOA (3 months)$750.00
Prepaid interest, first (25 days)$244.95
Fees + prepaids$10,363.95
Your down payment is the seller’s equity. You take over the $100,456 balance, so the rest of the $221,900 price is paid at closing. A second mortgage can cover part of it. $131,808.40 is due at closing. Uses and sources reconcile at $232,263.95 each. Not a Closing Disclosure.