Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$162,058Cash toward the purchase price.
Closing costs + prepaids$10,275Not just lender fees.
Before credits & paid funds$172,332The complete starting cash picture.
Estimated remaining funds due at closing
$172,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,057.60
Your down payment$162,057.60
Closing costs + prepaids$10,274.55
Total buyer cash needed$172,332.15
Remaining funds due$172,332.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$821.50
Initial HOA (3 months)$900.00
Prepaid interest, first (25 days)$229.05
Fees + prepaids$10,274.55
Your down payment is the seller’s equity. You take over the $47,842 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $172,332.15 is due at closing. Uses and sources reconcile at $220,174.55 each. Not a Closing Disclosure.