Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$50,534Cash toward the purchase price.
Closing costs + prepaids$9,164Not just lender fees.
Before credits & paid funds$59,698The complete starting cash picture.
Estimated remaining funds due at closing
$59,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,533.75
Your down payment$50,533.75
Closing costs + prepaids$9,164.50
Total buyer cash needed$59,698.25
Remaining funds due$59,698.25
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)$369.50
Initial HOA (3 months)$225.00
Prepaid interest, first (19 days)$346.00
Fees + prepaids$9,164.50
Your down payment is the seller’s equity. You take over the $149,366 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $59,698.25 is due at closing. Uses and sources reconcile at $209,064.50 each. Not a Closing Disclosure.