Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$153,119Cash toward the purchase price.
Closing costs + prepaids$9,743Not just lender fees.
Before credits & paid funds$162,862The complete starting cash picture.
Estimated remaining funds due at closing
$162,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,118.57
Your down payment$153,118.57
Closing costs + prepaids$9,742.98
Total buyer cash needed$162,861.56
Remaining funds due$162,861.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.00
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)$252.00
Initial HOA (3 months)$1,116.00
Prepaid interest, first (31 days)$150.98
Fees + prepaids$9,742.98
Your down payment is the seller’s equity. You take over the $46,781 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $162,861.56 is due at closing. Uses and sources reconcile at $209,642.98 each. Not a Closing Disclosure.