Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$48,775Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$58,934The complete starting cash picture.
Estimated remaining funds due at closing
$58,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,774.84
Your down payment$48,774.84
Closing costs + prepaids$10,158.92
Total buyer cash needed$58,933.76
Remaining funds due$58,933.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,995.00
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)$504.75
Initial HOA (3 months)$1,065.00
Prepaid interest, first (30 days)$369.17
Fees + prepaids$10,158.92
Your down payment is the seller’s equity. You take over the $150,725 balance, so the rest of the $199,500 price is paid at closing. A second mortgage can cover part of it. $58,933.76 is due at closing. Uses and sources reconcile at $209,658.92 each. Not a Closing Disclosure.