Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$187,817Cash toward the purchase price.
Closing costs + prepaids$13,370Not just lender fees.
Before credits & paid funds$201,187The complete starting cash picture.
Estimated remaining funds due at closing
$201,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,817.16
Your down payment$187,817.16
Closing costs + prepaids$13,369.86
Total buyer cash needed$201,187.02
Remaining funds due$201,187.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$621.00
Prepaid interest, first (24 days)$773.96
Fees + prepaids$13,369.86
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $201,187.02 is due at closing. Uses and sources reconcile at $563,359.86 each. Not a Closing Disclosure.