Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$146,275Cash toward the purchase price.
Closing costs + prepaids$9,736Not just lender fees.
Before credits & paid funds$156,011The complete starting cash picture.
Estimated remaining funds due at closing
$156,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,274.95
Your down payment$146,274.95
Closing costs + prepaids$9,736.43
Total buyer cash needed$156,011.38
Remaining funds due$156,011.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$250.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (15 days)$136.44
Fees + prepaids$9,736.43
Your down payment is the seller’s equity. You take over the $53,724 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $156,011.38 is due at closing. Uses and sources reconcile at $209,735.43 each. Not a Closing Disclosure.