Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$155,619Cash toward the purchase price.
Closing costs + prepaids$9,770Not just lender fees.
Before credits & paid funds$165,389The complete starting cash picture.
Estimated remaining funds due at closing
$165,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,618.83
Your down payment$155,618.83
Closing costs + prepaids$9,769.70
Total buyer cash needed$165,388.54
Remaining funds due$165,388.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$246.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (6 days)$48.70
Fees + prepaids$9,769.70
Your down payment is the seller’s equity. You take over the $49,381 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $165,388.54 is due at closing. Uses and sources reconcile at $214,769.70 each. Not a Closing Disclosure.