Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$140,265Cash toward the purchase price.
Closing costs + prepaids$9,237Not just lender fees.
Before credits & paid funds$149,503The complete starting cash picture.
Estimated remaining funds due at closing
$149,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,265.41
Your down payment$140,265.41
Closing costs + prepaids$9,237.18
Total buyer cash needed$149,502.59
Remaining funds due$149,502.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$114.75
Initial HOA (3 months)$555.00
Prepaid interest, first (22 days)$243.43
Fees + prepaids$9,237.18
Your down payment is the seller’s equity. You take over the $69,635 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $149,502.59 is due at closing. Uses and sources reconcile at $219,137.18 each. Not a Closing Disclosure.