Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$95,267Cash toward the purchase price.
Closing costs + prepaids$9,644Not just lender fees.
Before credits & paid funds$104,911The complete starting cash picture.
Estimated remaining funds due at closing
$104,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,267.13
Your down payment$95,267.13
Closing costs + prepaids$9,643.98
Total buyer cash needed$104,911.11
Remaining funds due$104,911.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$376.00
Initial HOA (3 months)$495.00
Prepaid interest, first (18 days)$248.98
Fees + prepaids$9,643.98
Your down payment is the seller’s equity. You take over the $134,633 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $104,911.11 is due at closing. Uses and sources reconcile at $239,543.98 each. Not a Closing Disclosure.