Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$46,425Cash toward the purchase price.
Closing costs + prepaids$9,088Not just lender fees.
Before credits & paid funds$55,512The complete starting cash picture.
Estimated remaining funds due at closing
$55,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,424.70
Your down payment$46,424.70
Closing costs + prepaids$9,087.74
Total buyer cash needed$55,512.44
Remaining funds due$55,512.44
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)$248.75
Initial HOA (3 months)$420.00
Prepaid interest, first (16 days)$203.99
Fees + prepaids$9,087.74
Your down payment is the seller’s equity. You take over the $152,575 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $55,512.44 is due at closing. Uses and sources reconcile at $208,087.74 each. Not a Closing Disclosure.