Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$115,109Cash toward the purchase price.
Closing costs + prepaids$9,860Not just lender fees.
Before credits & paid funds$124,969The complete starting cash picture.
Estimated remaining funds due at closing
$124,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,108.85
Your down payment$115,108.85
Closing costs + prepaids$9,859.84
Total buyer cash needed$124,968.69
Remaining funds due$124,968.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$548.00
Initial HOA (3 months)$900.00
Prepaid interest, first (4 days)$37.84
Fees + prepaids$9,859.84
Your down payment is the seller’s equity. You take over the $99,791 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $124,968.69 is due at closing. Uses and sources reconcile at $224,759.84 each. Not a Closing Disclosure.