Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$166,664Cash toward the purchase price.
Closing costs + prepaids$9,329Not just lender fees.
Before credits & paid funds$175,993The complete starting cash picture.
Estimated remaining funds due at closing
$175,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,664.20
Your down payment$166,664.20
Closing costs + prepaids$9,328.63
Total buyer cash needed$175,992.83
Remaining funds due$175,992.83
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)$219.50
Initial HOA (3 months)$792.00
Prepaid interest, first (26 days)$92.13
Fees + prepaids$9,328.63
Your down payment is the seller’s equity. You take over the $33,336 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $175,992.83 is due at closing. Uses and sources reconcile at $209,328.63 each. Not a Closing Disclosure.