Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$175,879Cash toward the purchase price.
Closing costs + prepaids$9,891Not just lender fees.
Before credits & paid funds$185,771The complete starting cash picture.
Estimated remaining funds due at closing
$185,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,879.14
Your down payment$175,879.14
Closing costs + prepaids$9,891.48
Total buyer cash needed$185,770.62
Remaining funds due$185,770.62
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)$642.50
Initial HOA (3 months)$870.00
Prepaid interest, first (30 days)$154.98
Fees + prepaids$9,891.48
Your down payment is the seller’s equity. You take over the $24,021 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $185,770.62 is due at closing. Uses and sources reconcile at $209,791.48 each. Not a Closing Disclosure.