Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$142,814Cash toward the purchase price.
Closing costs + prepaids$9,008Not just lender fees.
Before credits & paid funds$151,823The complete starting cash picture.
Estimated remaining funds due at closing
$151,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,814.14
Your down payment$142,814.14
Closing costs + prepaids$9,008.48
Total buyer cash needed$151,822.62
Remaining funds due$151,822.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$252.00
Initial HOA (3 months)$369.00
Prepaid interest, first (27 days)$172.48
Fees + prepaids$9,008.48
Your down payment is the seller’s equity. You take over the $56,186 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $151,822.62 is due at closing. Uses and sources reconcile at $208,008.48 each. Not a Closing Disclosure.