Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$100,560Cash toward the purchase price.
Closing costs + prepaids$9,524Not just lender fees.
Before credits & paid funds$110,084The complete starting cash picture.
Estimated remaining funds due at closing
$110,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,560.26
Your down payment$100,560.26
Closing costs + prepaids$9,523.99
Total buyer cash needed$110,084.25
Remaining funds due$110,084.25
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)$274.50
Initial HOA (3 months)$720.00
Prepaid interest, first (22 days)$204.49
Fees + prepaids$9,523.99
Your down payment is the seller’s equity. You take over the $109,440 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $110,084.25 is due at closing. Uses and sources reconcile at $219,523.99 each. Not a Closing Disclosure.