Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$83,860Cash toward the purchase price.
Closing costs + prepaids$9,294Not just lender fees.
Before credits & paid funds$93,154The complete starting cash picture.
Estimated remaining funds due at closing
$93,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,859.77
Your down payment$83,859.77
Closing costs + prepaids$9,294.19
Total buyer cash needed$93,153.96
Remaining funds due$93,153.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,980.00
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)$812.25
Prepaid interest, first (24 days)$276.94
Fees + prepaids$9,294.19
Your down payment is the seller’s equity. You take over the $114,140 balance, so the rest of the $198,000 price is paid at closing. A second mortgage can cover part of it. $93,153.96 is due at closing. Uses and sources reconcile at $207,294.19 each. Not a Closing Disclosure.