Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$53,193Cash toward the purchase price.
Closing costs + prepaids$8,820Not just lender fees.
Before credits & paid funds$62,013The complete starting cash picture.
Estimated remaining funds due at closing
$62,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,192.85
Your down payment$53,192.85
Closing costs + prepaids$8,820.44
Total buyer cash needed$62,013.29
Remaining funds due$62,013.29
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)$159.00
Prepaid interest, first (12 days)$196.44
Fees + prepaids$8,820.44
Your down payment is the seller’s equity. You take over the $146,807 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $62,013.29 is due at closing. Uses and sources reconcile at $208,820.44 each. Not a Closing Disclosure.