Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,951Cash toward the purchase price.
Closing costs + prepaids$10,676Not just lender fees.
Before credits & paid funds$41,627The complete starting cash picture.
Estimated remaining funds due at closing
$41,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,951.38
Your down payment$30,951.38
Closing costs + prepaids$10,675.92
Total buyer cash needed$41,627.30
Remaining funds due$41,627.30
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)$825.75
Initial HOA (3 months)$1,200.00
Prepaid interest, first (31 days)$426.17
Fees + prepaids$10,675.92
Your down payment is the seller’s equity. You take over the $168,949 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $41,627.30 is due at closing. Uses and sources reconcile at $210,575.92 each. Not a Closing Disclosure.