Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,982Cash toward the purchase price.
Closing costs + prepaids$9,010Not just lender fees.
Before credits & paid funds$104,993The complete starting cash picture.
Estimated remaining funds due at closing
$104,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,982.08
Your down payment$95,982.08
Closing costs + prepaids$9,010.44
Total buyer cash needed$104,992.52
Remaining funds due$104,992.52
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)$497.75
Prepaid interest, first (26 days)$288.69
Fees + prepaids$9,010.44
Your down payment is the seller’s equity. You take over the $103,918 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $104,992.52 is due at closing. Uses and sources reconcile at $208,910.44 each. Not a Closing Disclosure.