Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$5,166Cash toward the purchase price.
Closing costs + prepaids$9,970Not just lender fees.
Before credits & paid funds$15,136The complete starting cash picture.
Estimated remaining funds due at closing
$15,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,165.97
Your down payment$5,165.97
Closing costs + prepaids$9,970.25
Total buyer cash needed$15,136.23
Remaining funds due$15,136.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,900.00
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)$279.50
Initial HOA (3 months)$1,221.00
Prepaid interest, first (23 days)$344.75
Fees + prepaids$9,970.25
Your down payment is the seller’s equity. You take over the $184,834 balance, so the rest of the $190,000 price is paid at closing. A second mortgage can cover part of it. $15,136.23 is due at closing. Uses and sources reconcile at $199,970.25 each. Not a Closing Disclosure.