Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$86,753Cash toward the purchase price.
Closing costs + prepaids$9,488Not just lender fees.
Before credits & paid funds$96,241The complete starting cash picture.
Estimated remaining funds due at closing
$96,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,752.70
Your down payment$86,752.70
Closing costs + prepaids$9,487.89
Total buyer cash needed$96,240.59
Remaining funds due$96,240.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$80.50
Initial HOA (3 months)$807.00
Prepaid interest, first (27 days)$325.39
Fees + prepaids$9,487.89
Your down payment is the seller’s equity. You take over the $118,247 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $96,240.59 is due at closing. Uses and sources reconcile at $214,487.89 each. Not a Closing Disclosure.