Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$45,778Cash toward the purchase price.
Closing costs + prepaids$10,014Not just lender fees.
Before credits & paid funds$55,792The complete starting cash picture.
Estimated remaining funds due at closing
$55,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,777.70
Your down payment$45,777.70
Closing costs + prepaids$10,013.94
Total buyer cash needed$55,791.64
Remaining funds due$55,791.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$258.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (12 days)$270.94
Fees + prepaids$10,013.94
Your down payment is the seller’s equity. You take over the $169,222 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $55,791.64 is due at closing. Uses and sources reconcile at $225,013.94 each. Not a Closing Disclosure.