Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$50,104Cash toward the purchase price.
Closing costs + prepaids$9,853Not just lender fees.
Before credits & paid funds$59,957The complete starting cash picture.
Estimated remaining funds due at closing
$59,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,103.56
Your down payment$50,103.56
Closing costs + prepaids$9,853.38
Total buyer cash needed$59,956.94
Remaining funds due$59,956.94
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)$197.00
Initial HOA (3 months)$945.00
Prepaid interest, first (18 days)$496.38
Fees + prepaids$9,853.38
Your down payment is the seller’s equity. You take over the $148,896 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $59,956.94 is due at closing. Uses and sources reconcile at $208,853.38 each. Not a Closing Disclosure.