Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$99,500Cash toward the purchase price.
Closing costs + prepaids$9,428Not just lender fees.
Before credits & paid funds$108,928The complete starting cash picture.
Estimated remaining funds due at closing
$108,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,499.91
Your down payment$99,499.91
Closing costs + prepaids$9,428.46
Total buyer cash needed$108,928.37
Remaining funds due$108,928.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.00
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)$947.00
Prepaid interest, first (24 days)$257.46
Fees + prepaids$9,428.46
Your down payment is the seller’s equity. You take over the $100,400 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $108,928.37 is due at closing. Uses and sources reconcile at $209,328.46 each. Not a Closing Disclosure.