Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$73,811Cash toward the purchase price.
Closing costs + prepaids$9,701Not just lender fees.
Before credits & paid funds$83,512The complete starting cash picture.
Estimated remaining funds due at closing
$83,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,811.09
Your down payment$73,811.09
Closing costs + prepaids$9,700.67
Total buyer cash needed$83,511.76
Remaining funds due$83,511.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,125.00
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)$255.00
Initial HOA (3 months)$990.00
Prepaid interest, first (9 days)$105.67
Fees + prepaids$9,700.67
Your down payment is the seller’s equity. You take over the $138,689 balance, so the rest of the $212,500 price is paid at closing. A second mortgage can cover part of it. $83,511.76 is due at closing. Uses and sources reconcile at $222,200.67 each. Not a Closing Disclosure.