Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,100Cash toward the purchase price.
Closing costs + prepaids$10,363Not just lender fees.
Before credits & paid funds$53,463The complete starting cash picture.
Estimated remaining funds due at closing
$53,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,100.24
Your down payment$43,100.24
Closing costs + prepaids$10,362.69
Total buyer cash needed$53,462.93
Remaining funds due$53,462.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$113.25
Initial HOA (3 months)$1,194.00
Prepaid interest, first (24 days)$680.44
Fees + prepaids$10,362.69
Your down payment is the seller’s equity. You take over the $171,900 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $53,462.93 is due at closing. Uses and sources reconcile at $225,362.69 each. Not a Closing Disclosure.