Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,444Cash toward the purchase price.
Closing costs + prepaids$9,440Not just lender fees.
Before credits & paid funds$84,884The complete starting cash picture.
Estimated remaining funds due at closing
$84,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,443.70
Your down payment$75,443.70
Closing costs + prepaids$9,440.39
Total buyer cash needed$84,884.09
Remaining funds due$84,884.09
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)$616.50
Prepaid interest, first (27 days)$598.89
Fees + prepaids$9,440.39
Your down payment is the seller’s equity. You take over the $124,556 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $84,884.09 is due at closing. Uses and sources reconcile at $209,440.39 each. Not a Closing Disclosure.