Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$189,457Cash toward the purchase price.
Closing costs + prepaids$9,235Not just lender fees.
Before credits & paid funds$198,692The complete starting cash picture.
Estimated remaining funds due at closing
$198,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,456.55
Your down payment$189,456.55
Closing costs + prepaids$9,235.37
Total buyer cash needed$198,691.92
Remaining funds due$198,691.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,995.00
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)$411.25
Initial HOA (3 months)$555.00
Prepaid interest, first (25 days)$49.12
Fees + prepaids$9,235.37
Your down payment is the seller’s equity. You take over the $10,043 balance, so the rest of the $199,500 price is paid at closing. A second mortgage can cover part of it. $198,691.92 is due at closing. Uses and sources reconcile at $208,735.37 each. Not a Closing Disclosure.