Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$187,596Cash toward the purchase price.
Closing costs + prepaids$13,136Not just lender fees.
Before credits & paid funds$200,732The complete starting cash picture.
Estimated remaining funds due at closing
$200,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,595.95
Your down payment$187,595.95
Closing costs + prepaids$13,136.38
Total buyer cash needed$200,732.34
Remaining funds due$200,732.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$176.01
Prepaid interest, first (12 days)$326.37
Fees + prepaids$13,136.38
Your down payment is the seller’s equity. You take over the $362,304 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $200,732.34 is due at closing. Uses and sources reconcile at $563,036.38 each. Not a Closing Disclosure.