Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,941Cash toward the purchase price.
Closing costs + prepaids$9,657Not just lender fees.
Before credits & paid funds$154,598The complete starting cash picture.
Estimated remaining funds due at closing
$154,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,940.81
Your down payment$144,940.81
Closing costs + prepaids$9,656.93
Total buyer cash needed$154,597.74
Remaining funds due$154,597.74
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)$1,259.75
Prepaid interest, first (26 days)$172.18
Fees + prepaids$9,656.93
Your down payment is the seller’s equity. You take over the $55,059 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $154,597.74 is due at closing. Uses and sources reconcile at $209,656.93 each. Not a Closing Disclosure.