Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$97,367Cash toward the purchase price.
Closing costs + prepaids$8,882Not just lender fees.
Before credits & paid funds$106,249The complete starting cash picture.
Estimated remaining funds due at closing
$106,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,367.38
Your down payment$97,367.38
Closing costs + prepaids$8,881.72
Total buyer cash needed$106,249.10
Remaining funds due$106,249.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$337.50
Prepaid interest, first (24 days)$219.22
Fees + prepaids$8,881.72
Your down payment is the seller’s equity. You take over the $112,633 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $106,249.10 is due at closing. Uses and sources reconcile at $218,881.72 each. Not a Closing Disclosure.