Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$186,330Cash toward the purchase price.
Closing costs + prepaids$13,203Not just lender fees.
Before credits & paid funds$199,533The complete starting cash picture.
Estimated remaining funds due at closing
$199,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,330.05
Your down payment$186,330.05
Closing costs + prepaids$13,203.34
Total buyer cash needed$199,533.39
Remaining funds due$199,533.39
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)$395.25
Initial HOA (3 months)$93.00
Prepaid interest, first (24 days)$741.09
Fees + prepaids$13,203.34
Your down payment is the seller’s equity. You take over the $363,570 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $199,533.39 is due at closing. Uses and sources reconcile at $563,103.34 each. Not a Closing Disclosure.