Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$134,767Cash toward the purchase price.
Closing costs + prepaids$9,615Not just lender fees.
Before credits & paid funds$144,382The complete starting cash picture.
Estimated remaining funds due at closing
$144,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,767.06
Your down payment$134,767.06
Closing costs + prepaids$9,614.79
Total buyer cash needed$144,381.85
Remaining funds due$144,381.85
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)$972.00
Prepaid interest, first (7 days)$65.79
Fees + prepaids$9,614.79
Your down payment is the seller’s equity. You take over the $75,233 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $144,381.85 is due at closing. Uses and sources reconcile at $219,614.79 each. Not a Closing Disclosure.