Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$91,802Cash toward the purchase price.
Closing costs + prepaids$10,048Not just lender fees.
Before credits & paid funds$101,851The complete starting cash picture.
Estimated remaining funds due at closing
$101,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,802.31
Your down payment$91,802.31
Closing costs + prepaids$10,048.41
Total buyer cash needed$101,850.72
Remaining funds due$101,850.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,080.00
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)$1,448.75
Prepaid interest, first (26 days)$294.66
Fees + prepaids$10,048.41
Your down payment is the seller’s equity. You take over the $116,198 balance, so the rest of the $208,000 price is paid at closing. A second mortgage can cover part of it. $101,850.72 is due at closing. Uses and sources reconcile at $218,048.41 each. Not a Closing Disclosure.