Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,906Cash toward the purchase price.
Closing costs + prepaids$9,357Not just lender fees.
Before credits & paid funds$83,264The complete starting cash picture.
Estimated remaining funds due at closing
$83,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,906.11
Your down payment$73,906.11
Closing costs + prepaids$9,357.45
Total buyer cash needed$83,263.56
Remaining funds due$83,263.56
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 (1 days)$16.20
Fees + prepaids$9,357.45
Your down payment is the seller’s equity. You take over the $131,094 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $83,263.56 is due at closing. Uses and sources reconcile at $214,357.45 each. Not a Closing Disclosure.