Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$19,305Cash toward the purchase price.
Closing costs + prepaids$10,163Not just lender fees.
Before credits & paid funds$29,468The complete starting cash picture.
Estimated remaining funds due at closing
$29,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,304.72
Your down payment$19,304.72
Closing costs + prepaids$10,162.81
Total buyer cash needed$29,467.53
Remaining funds due$29,467.53
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)$292.25
Initial HOA (3 months)$1,296.00
Prepaid interest, first (23 days)$349.56
Fees + prepaids$10,162.81
Your down payment is the seller’s equity. You take over the $180,695 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $29,467.53 is due at closing. Uses and sources reconcile at $210,162.81 each. Not a Closing Disclosure.