Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$132,226Cash toward the purchase price.
Closing costs + prepaids$9,279Not just lender fees.
Before credits & paid funds$141,505The complete starting cash picture.
Estimated remaining funds due at closing
$141,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,225.64
Your down payment$132,225.64
Closing costs + prepaids$9,279.16
Total buyer cash needed$141,504.80
Remaining funds due$141,504.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$748.00
Prepaid interest, first (25 days)$206.16
Fees + prepaids$9,279.16
Your down payment is the seller’s equity. You take over the $77,774 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $141,504.80 is due at closing. Uses and sources reconcile at $219,279.16 each. Not a Closing Disclosure.