Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$64,656Cash toward the purchase price.
Closing costs + prepaids$8,920Not just lender fees.
Before credits & paid funds$73,576The complete starting cash picture.
Estimated remaining funds due at closing
$73,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,655.73
Your down payment$64,655.73
Closing costs + prepaids$8,919.91
Total buyer cash needed$73,575.64
Remaining funds due$73,575.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.90
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)$375.25
Prepaid interest, first (28 days)$319.76
Fees + prepaids$8,919.91
Your down payment is the seller’s equity. You take over the $135,334 balance, so the rest of the $199,990 price is paid at closing. A second mortgage can cover part of it. $73,575.64 is due at closing. Uses and sources reconcile at $208,909.91 each. Not a Closing Disclosure.