Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$79,010Cash toward the purchase price.
Closing costs + prepaids$9,698Not just lender fees.
Before credits & paid funds$88,708The complete starting cash picture.
Estimated remaining funds due at closing
$88,708No 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$9,698.17
Total buyer cash needed$88,708.31
Remaining funds due$88,708.31
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)$270.00
Initial HOA (3 months)$696.00
Prepaid interest, first (10 days)$257.18
Fees + prepaids$9,698.17
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. $88,708.31 is due at closing. Uses and sources reconcile at $234,697.17 each. Not a Closing Disclosure.