Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$72,889Cash toward the purchase price.
Closing costs + prepaids$10,130Not just lender fees.
Before credits & paid funds$83,019The complete starting cash picture.
Estimated remaining funds due at closing
$83,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,888.77
Your down payment$72,888.77
Closing costs + prepaids$10,130.30
Total buyer cash needed$83,019.07
Remaining funds due$83,019.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,097.50
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)$534.75
Initial HOA (3 months)$1,230.00
Prepaid interest, first (4 days)$43.05
Fees + prepaids$10,130.30
Your down payment is the seller’s equity. You take over the $136,861 balance, so the rest of the $209,750 price is paid at closing. A second mortgage can cover part of it. $83,019.07 is due at closing. Uses and sources reconcile at $219,880.30 each. Not a Closing Disclosure.