Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,960Cash toward the purchase price.
Closing costs + prepaids$9,385Not just lender fees.
Before credits & paid funds$59,345The complete starting cash picture.
Estimated remaining funds due at closing
$59,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,960.47
Your down payment$49,960.47
Closing costs + prepaids$9,384.60
Total buyer cash needed$59,345.08
Remaining funds due$59,345.08
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 (1 days)$27.60
Fees + prepaids$9,384.60
Your down payment is the seller’s equity. You take over the $149,040 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $59,345.08 is due at closing. Uses and sources reconcile at $208,384.60 each. Not a Closing Disclosure.