Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$74,190Cash toward the purchase price.
Closing costs + prepaids$9,778Not just lender fees.
Before credits & paid funds$83,968The complete starting cash picture.
Estimated remaining funds due at closing
$83,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,190.43
Your down payment$74,190.43
Closing costs + prepaids$9,777.65
Total buyer cash needed$83,968.09
Remaining funds due$83,968.09
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)$166.25
Initial HOA (3 months)$900.00
Prepaid interest, first (27 days)$436.40
Fees + prepaids$9,777.65
Your down payment is the seller’s equity. You take over the $130,810 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $83,968.09 is due at closing. Uses and sources reconcile at $214,777.65 each. Not a Closing Disclosure.