Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,311Cash toward the purchase price.
Closing costs + prepaids$10,529Not just lender fees.
Before credits & paid funds$74,840The complete starting cash picture.
Estimated remaining funds due at closing
$74,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,311.41
Your down payment$64,311.41
Closing costs + prepaids$10,529.09
Total buyer cash needed$74,840.50
Remaining funds due$74,840.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.00
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)$605.25
Initial HOA (3 months)$1,419.00
Prepaid interest, first (27 days)$280.84
Fees + prepaids$10,529.09
Your down payment is the seller’s equity. You take over the $135,589 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $74,840.50 is due at closing. Uses and sources reconcile at $210,429.09 each. Not a Closing Disclosure.