Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$81,103Cash toward the purchase price.
Closing costs + prepaids$9,828Not just lender fees.
Before credits & paid funds$90,931The complete starting cash picture.
Estimated remaining funds due at closing
$90,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,102.55
Your down payment$81,102.55
Closing costs + prepaids$9,828.02
Total buyer cash needed$90,930.57
Remaining funds due$90,930.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$586.50
Initial HOA (3 months)$618.00
Prepaid interest, first (5 days)$98.52
Fees + prepaids$9,828.02
Your down payment is the seller’s equity. You take over the $148,897 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $90,930.57 is due at closing. Uses and sources reconcile at $239,828.02 each. Not a Closing Disclosure.