Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$183,602Cash toward the purchase price.
Closing costs + prepaids$9,004Not just lender fees.
Before credits & paid funds$192,606The complete starting cash picture.
Estimated remaining funds due at closing
$192,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,602.41
Your down payment$183,602.41
Closing costs + prepaids$9,003.80
Total buyer cash needed$192,606.20
Remaining funds due$192,606.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$75.25
Initial HOA (3 months)$636.00
Prepaid interest, first (31 days)$77.55
Fees + prepaids$9,003.80
Your down payment is the seller’s equity. You take over the $15,398 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $192,606.20 is due at closing. Uses and sources reconcile at $208,003.80 each. Not a Closing Disclosure.