Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$73,080Cash toward the purchase price.
Closing costs + prepaids$9,136Not just lender fees.
Before credits & paid funds$82,216The complete starting cash picture.
Estimated remaining funds due at closing
$82,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,080.14
Your down payment$73,080.14
Closing costs + prepaids$9,135.89
Total buyer cash needed$82,216.03
Remaining funds due$82,216.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,000.00
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)$120.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (12 days)$50.89
Fees + prepaids$9,135.89
Your down payment is the seller’s equity. You take over the $26,920 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $82,216.03 is due at closing. Uses and sources reconcile at $109,135.89 each. Not a Closing Disclosure.