Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$87,203Cash toward the purchase price.
Closing costs + prepaids$10,019Not just lender fees.
Before credits & paid funds$97,223The complete starting cash picture.
Estimated remaining funds due at closing
$97,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,203.19
Your down payment$87,203.19
Closing costs + prepaids$10,019.33
Total buyer cash needed$97,222.52
Remaining funds due$97,222.52
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)$240.75
Initial HOA (3 months)$1,290.00
Prepaid interest, first (28 days)$273.58
Fees + prepaids$10,019.33
Your down payment is the seller’s equity. You take over the $111,797 balance, so the rest of the $199,000 price is paid at closing. A second mortgage can cover part of it. $97,222.52 is due at closing. Uses and sources reconcile at $209,019.33 each. Not a Closing Disclosure.