Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$184,978Cash toward the purchase price.
Closing costs + prepaids$9,969Not just lender fees.
Before credits & paid funds$194,948The complete starting cash picture.
Estimated remaining funds due at closing
$194,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,978.29
Your down payment$184,978.29
Closing costs + prepaids$9,969.49
Total buyer cash needed$194,947.78
Remaining funds due$194,947.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,990.00
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)$238.75
Initial HOA (3 months)$1,500.00
Prepaid interest, first (6 days)$15.74
Fees + prepaids$9,969.49
Your down payment is the seller’s equity. You take over the $14,022 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $194,947.78 is due at closing. Uses and sources reconcile at $208,969.49 each. Not a Closing Disclosure.