Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$80,194Cash toward the purchase price.
Closing costs + prepaids$10,139Not just lender fees.
Before credits & paid funds$90,333The complete starting cash picture.
Estimated remaining funds due at closing
$90,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,193.85
Your down payment$80,193.85
Closing costs + prepaids$10,138.87
Total buyer cash needed$90,332.72
Remaining funds due$90,332.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$270.00
Initial HOA (3 months)$1,257.00
Prepaid interest, first (10 days)$136.87
Fees + prepaids$10,138.87
Your down payment is the seller’s equity. You take over the $144,806 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $90,332.72 is due at closing. Uses and sources reconcile at $235,138.87 each. Not a Closing Disclosure.