Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$189,928Cash toward the purchase price.
Closing costs + prepaids$10,033Not just lender fees.
Before credits & paid funds$199,961The complete starting cash picture.
Estimated remaining funds due at closing
$199,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,927.74
Your down payment$189,927.74
Closing costs + prepaids$10,032.96
Total buyer cash needed$199,960.70
Remaining funds due$199,960.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$249.75
Initial HOA (3 months)$648.00
Prepaid interest, first (20 days)$211.21
Fees + prepaids$10,032.96
Your down payment is the seller’s equity. You take over the $79,972 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $199,960.70 is due at closing. Uses and sources reconcile at $279,932.96 each. Not a Closing Disclosure.