Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$79,010Cash toward the purchase price.
Closing costs + prepaids$9,971Not just lender fees.
Before credits & paid funds$88,981The complete starting cash picture.
Estimated remaining funds due at closing
$88,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,010.14
Your down payment$79,010.14
Closing costs + prepaids$9,971.13
Total buyer cash needed$88,981.27
Remaining funds due$88,981.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.99
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)$105.75
Initial HOA (3 months)$696.00
Prepaid interest, first (27 days)$694.39
Fees + prepaids$9,971.13
Your down payment is the seller’s equity. You take over the $145,989 balance, so the rest of the $224,999 price is paid at closing. A second mortgage can cover part of it. $88,981.27 is due at closing. Uses and sources reconcile at $234,970.13 each. Not a Closing Disclosure.