Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,944Cash toward the purchase price.
Closing costs + prepaids$9,928Not just lender fees.
Before credits & paid funds$87,872The complete starting cash picture.
Estimated remaining funds due at closing
$87,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,944.04
Your down payment$77,944.04
Closing costs + prepaids$9,928.40
Total buyer cash needed$87,872.44
Remaining funds due$87,872.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,140.00
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)$280.25
Initial HOA (3 months)$1,005.00
Prepaid interest, first (26 days)$278.15
Fees + prepaids$9,928.40
Your down payment is the seller’s equity. You take over the $136,056 balance, so the rest of the $214,000 price is paid at closing. A second mortgage can cover part of it. $87,872.44 is due at closing. Uses and sources reconcile at $223,928.40 each. Not a Closing Disclosure.