Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$83,759Cash toward the purchase price.
Closing costs + prepaids$9,286Not just lender fees.
Before credits & paid funds$93,045The complete starting cash picture.
Estimated remaining funds due at closing
$93,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,759.29
Your down payment$83,759.29
Closing costs + prepaids$9,285.76
Total buyer cash needed$93,045.04
Remaining funds due$93,045.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$621.25
Prepaid interest, first (22 days)$349.51
Fees + prepaids$9,285.76
Your down payment is the seller’s equity. You take over the $125,241 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $93,045.04 is due at closing. Uses and sources reconcile at $218,285.76 each. Not a Closing Disclosure.