Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$23,403Cash toward the purchase price.
Closing costs + prepaids$9,455Not just lender fees.
Before credits & paid funds$32,859The complete starting cash picture.
Estimated remaining funds due at closing
$32,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,403.31
Your down payment$23,403.31
Closing costs + prepaids$9,455.20
Total buyer cash needed$32,858.50
Remaining funds due$32,858.50
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)$125.50
Initial HOA (3 months)$450.00
Prepaid interest, first (20 days)$655.70
Fees + prepaids$9,455.20
Your down payment is the seller’s equity. You take over the $176,497 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $32,858.50 is due at closing. Uses and sources reconcile at $209,355.20 each. Not a Closing Disclosure.