Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,880Cash toward the purchase price.
Closing costs + prepaids$9,522Not just lender fees.
Before credits & paid funds$46,401The complete starting cash picture.
Estimated remaining funds due at closing
$46,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,879.77
Your down payment$36,879.77
Closing costs + prepaids$9,521.65
Total buyer cash needed$46,401.42
Remaining funds due$46,401.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$621.25
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$375.40
Fees + prepaids$9,521.65
Your down payment is the seller’s equity. You take over the $163,120 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $46,401.42 is due at closing. Uses and sources reconcile at $209,521.65 each. Not a Closing Disclosure.