Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$150,621Cash toward the purchase price.
Closing costs + prepaids$9,631Not just lender fees.
Before credits & paid funds$160,252The complete starting cash picture.
Estimated remaining funds due at closing
$160,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,620.62
Your down payment$150,620.62
Closing costs + prepaids$9,631.39
Total buyer cash needed$160,252.01
Remaining funds due$160,252.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$376.50
Initial HOA (3 months)$885.00
Prepaid interest, first (30 days)$144.89
Fees + prepaids$9,631.39
Your down payment is the seller’s equity. You take over the $49,379 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $160,252.01 is due at closing. Uses and sources reconcile at $209,631.39 each. Not a Closing Disclosure.