Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$135,429Cash toward the purchase price.
Closing costs + prepaids$9,290Not just lender fees.
Before credits & paid funds$144,719The complete starting cash picture.
Estimated remaining funds due at closing
$144,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,429.17
Your down payment$135,429.17
Closing costs + prepaids$9,290.05
Total buyer cash needed$144,719.22
Remaining funds due$144,719.22
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)$513.50
Initial HOA (3 months)$531.00
Prepaid interest, first (2 days)$21.55
Fees + prepaids$9,290.05
Your down payment is the seller’s equity. You take over the $64,471 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $144,719.22 is due at closing. Uses and sources reconcile at $209,190.05 each. Not a Closing Disclosure.