Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$169,001Cash toward the purchase price.
Closing costs + prepaids$9,463Not just lender fees.
Before credits & paid funds$178,464The complete starting cash picture.
Estimated remaining funds due at closing
$178,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,001.36
Your down payment$169,001.36
Closing costs + prepaids$9,462.98
Total buyer cash needed$178,464.33
Remaining funds due$178,464.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$1,036.00
Initial HOA (3 months)$90.00
Prepaid interest, first (2 days)$12.98
Fees + prepaids$9,462.98
Your down payment is the seller’s equity. You take over the $40,899 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $178,464.33 is due at closing. Uses and sources reconcile at $219,362.98 each. Not a Closing Disclosure.