Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$196,094Cash toward the purchase price.
Closing costs + prepaids$9,670Not just lender fees.
Before credits & paid funds$205,765The complete starting cash picture.
Estimated remaining funds due at closing
$205,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,094.43
Your down payment$196,094.43
Closing costs + prepaids$9,670.24
Total buyer cash needed$205,764.67
Remaining funds due$205,764.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,009.95
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)$1,386.25
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$24.05
Fees + prepaids$9,670.24
Your down payment is the seller’s equity. You take over the $4,901 balance, so the rest of the $200,995 price is paid at closing. A second mortgage can cover part of it. $205,764.67 is due at closing. Uses and sources reconcile at $210,665.24 each. Not a Closing Disclosure.