Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$30,810Cash toward the purchase price.
Closing costs + prepaids$9,183Not just lender fees.
Before credits & paid funds$39,994The complete starting cash picture.
Estimated remaining funds due at closing
$39,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,810.36
Your down payment$30,810.36
Closing costs + prepaids$9,183.31
Total buyer cash needed$39,993.67
Remaining funds due$39,993.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.99
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)$240.00
Initial HOA (3 months)$636.00
Prepaid interest, first (6 days)$82.32
Fees + prepaids$9,183.31
Your down payment is the seller’s equity. You take over the $169,189 balance, so the rest of the $199,999 price is paid at closing. A second mortgage can cover part of it. $39,993.67 is due at closing. Uses and sources reconcile at $209,182.31 each. Not a Closing Disclosure.