Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$150,927Cash toward the purchase price.
Closing costs + prepaids$9,552Not just lender fees.
Before credits & paid funds$160,479The complete starting cash picture.
Estimated remaining funds due at closing
$160,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,927.50
Your down payment$150,927.50
Closing costs + prepaids$9,551.79
Total buyer cash needed$160,479.28
Remaining funds due$160,479.28
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)$1,053.00
Prepaid interest, first (7 days)$33.79
Fees + prepaids$9,551.79
Your down payment is the seller’s equity. You take over the $49,073 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $160,479.28 is due at closing. Uses and sources reconcile at $209,551.79 each. Not a Closing Disclosure.