Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$85,069Cash toward the purchase price.
Closing costs + prepaids$10,795Not just lender fees.
Before credits & paid funds$95,864The complete starting cash picture.
Estimated remaining funds due at closing
$95,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,068.98
Your down payment$85,068.98
Closing costs + prepaids$10,794.71
Total buyer cash needed$95,863.69
Remaining funds due$95,863.69
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)$252.00
Initial HOA (3 months)$2,160.00
Prepaid interest, first (6 days)$57.71
Fees + prepaids$10,794.71
Your down payment is the seller’s equity. You take over the $124,931 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $95,863.69 is due at closing. Uses and sources reconcile at $220,794.71 each. Not a Closing Disclosure.