Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$123,067Cash toward the purchase price.
Closing costs + prepaids$9,969Not just lender fees.
Before credits & paid funds$133,036The complete starting cash picture.
Estimated remaining funds due at closing
$133,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,066.68
Your down payment$123,066.68
Closing costs + prepaids$9,969.08
Total buyer cash needed$133,035.76
Remaining funds due$133,035.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$533.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (5 days)$41.08
Fees + prepaids$9,969.08
Your down payment is the seller’s equity. You take over the $85,933 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $133,035.76 is due at closing. Uses and sources reconcile at $218,969.08 each. Not a Closing Disclosure.