Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$194,205Cash toward the purchase price.
Closing costs + prepaids$9,777Not just lender fees.
Before credits & paid funds$203,982The complete starting cash picture.
Estimated remaining funds due at closing
$203,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,205.07
Your down payment$194,205.07
Closing costs + prepaids$9,776.81
Total buyer cash needed$203,981.88
Remaining funds due$203,981.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$240.00
Initial HOA (3 months)$1,305.00
Prepaid interest, first (6 days)$6.81
Fees + prepaids$9,776.81
Your down payment is the seller’s equity. You take over the $5,795 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $203,981.88 is due at closing. Uses and sources reconcile at $209,776.81 each. Not a Closing Disclosure.