Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$12,499Cash toward the purchase price.
Closing costs + prepaids$9,274Not just lender fees.
Before credits & paid funds$21,772The complete starting cash picture.
Estimated remaining funds due at closing
$21,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,498.60
Your down payment$12,498.60
Closing costs + prepaids$9,273.66
Total buyer cash needed$21,772.25
Remaining funds due$21,772.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$445.50
Prepaid interest, first (30 days)$613.16
Fees + prepaids$9,273.66
Your down payment is the seller’s equity. You take over the $186,501 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $21,772.25 is due at closing. Uses and sources reconcile at $208,273.66 each. Not a Closing Disclosure.