Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$160,625Cash toward the purchase price.
Closing costs + prepaids$9,930Not just lender fees.
Before credits & paid funds$170,555The complete starting cash picture.
Estimated remaining funds due at closing
$170,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,625.17
Your down payment$160,625.17
Closing costs + prepaids$9,929.91
Total buyer cash needed$170,555.07
Remaining funds due$170,555.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$548.25
Initial HOA (3 months)$975.00
Prepaid interest, first (5 days)$31.66
Fees + prepaids$9,929.91
Your down payment is the seller’s equity. You take over the $54,375 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $170,555.07 is due at closing. Uses and sources reconcile at $224,929.91 each. Not a Closing Disclosure.