Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$162,058Cash toward the purchase price.
Closing costs + prepaids$9,796Not just lender fees.
Before credits & paid funds$171,853The complete starting cash picture.
Estimated remaining funds due at closing
$171,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,057.60
Your down payment$162,057.60
Closing costs + prepaids$9,795.90
Total buyer cash needed$171,853.50
Remaining funds due$171,853.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,099.00
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)$535.25
Initial HOA (3 months)$900.00
Prepaid interest, first (4 days)$36.65
Fees + prepaids$9,795.90
Your down payment is the seller’s equity. You take over the $47,842 balance, so the rest of the $209,900 price is paid at closing. A second mortgage can cover part of it. $171,853.50 is due at closing. Uses and sources reconcile at $219,695.90 each. Not a Closing Disclosure.