Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$187,596Cash toward the purchase price.
Closing costs + prepaids$13,571Not just lender fees.
Before credits & paid funds$201,167The complete starting cash picture.
Estimated remaining funds due at closing
$201,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,595.95
Your down payment$187,595.95
Closing costs + prepaids$13,570.70
Total buyer cash needed$201,166.65
Remaining funds due$201,166.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$740.75
Initial HOA (3 months)$176.01
Prepaid interest, first (25 days)$679.94
Fees + prepaids$13,570.70
Your down payment is the seller’s equity. You take over the $362,304 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $201,166.65 is due at closing. Uses and sources reconcile at $563,470.70 each. Not a Closing Disclosure.