Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$36,063Cash toward the purchase price.
Closing costs + prepaids$11,046Not just lender fees.
Before credits & paid funds$47,108The complete starting cash picture.
Estimated remaining funds due at closing
$47,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,062.57
Your down payment$36,062.57
Closing costs + prepaids$11,045.75
Total buyer cash needed$47,108.32
Remaining funds due$47,108.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$749.00
Initial HOA (3 months)$1,425.00
Prepaid interest, first (24 days)$646.76
Fees + prepaids$11,045.75
Your down payment is the seller’s equity. You take over the $163,936 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $47,108.32 is due at closing. Uses and sources reconcile at $211,044.75 each. Not a Closing Disclosure.