Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$140,482Cash toward the purchase price.
Closing costs + prepaids$9,564Not just lender fees.
Before credits & paid funds$150,046The complete starting cash picture.
Estimated remaining funds due at closing
$150,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,482.04
Your down payment$140,482.04
Closing costs + prepaids$9,563.93
Total buyer cash needed$150,045.98
Remaining funds due$150,045.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,050.00
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)$246.00
Initial HOA (3 months)$897.00
Prepaid interest, first (12 days)$145.93
Fees + prepaids$9,563.93
Your down payment is the seller’s equity. You take over the $64,518 balance, so the rest of the $205,000 price is paid at closing. A second mortgage can cover part of it. $150,045.98 is due at closing. Uses and sources reconcile at $214,563.93 each. Not a Closing Disclosure.